Call reports 2002
BLUE RIDGE BANK AND TRUST CO. — 2002
What BLUE RIDGE BANK AND TRUST CO. reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 405,985,000 | 414,987,000 | 409,089,000 | 426,557,000 |
| Total loans | 264,326,000 | 269,252,000 | 271,287,000 | 280,752,000 |
| Allowance for loan losses | 1,730,000 | 1,823,000 | 1,796,000 | 1,902,000 |
| Securities available for sale | 51,804,000 | 49,577,000 | 42,527,000 | 42,083,000 |
| Securities held to maturity | 40,431,000 | 45,667,000 | 53,418,000 | 51,682,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 345,433,000 | 353,218,000 | 345,376,000 | 362,192,000 |
| Interest-bearing deposits | 292,792,000 | 293,176,000 | 294,326,000 | 306,661,000 |
| Noninterest-bearing deposits | 52,641,000 | 60,042,000 | 51,050,000 | 55,531,000 |
| Equity capital | 35,082,000 | 36,088,000 | 37,057,000 | 37,622,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 6,297,000 | 12,567,000 | 18,818,000 | 24,909,000 |
| Interest expense | 2,524,000 | 4,847,000 | 7,080,000 | 9,206,000 |
| Net interest income | 3,773,000 | 7,720,000 | 11,738,000 | 15,703,000 |
| Noninterest income | 925,000 | 1,848,000 | 3,044,000 | 4,224,000 |
| Noninterest expense | 3,306,000 | 7,139,000 | 10,809,000 | 14,692,000 |
| Provision for loan losses | 165,000 | 575,000 | 860,000 | 1,350,000 |
| Pretax income | 1,227,000 | 1,854,000 | 3,193,000 | 3,965,000 |
| Income tax | 360,000 | 494,000 | 885,000 | 1,047,000 |
| Net income | 867,000 | 1,360,000 | 2,308,000 | 2,918,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,241,000 | 35,628,000 | 36,469,000 | 36,963,000 |
| Total capital | 36,971,000 | 37,451,000 | 38,265,000 | 38,865,000 |
| Risk-weighted assets | 289,587,000 | 296,154,000 | 300,010,000 | 311,066,000 |
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