Call reports 2003
BLUE RIDGE BANK AND TRUST CO. — 2003
What BLUE RIDGE BANK AND TRUST CO. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 443,441,000 | 446,784,000 | 453,310,000 | 445,042,000 |
| Total loans | 280,398,000 | 286,292,000 | 283,351,000 | 290,915,000 |
| Allowance for loan losses | 1,788,000 | 2,546,000 | 2,303,000 | 2,969,000 |
| Securities available for sale | 44,062,000 | 43,102,000 | 45,103,000 | 41,685,000 |
| Securities held to maturity | 51,616,000 | 50,957,000 | 50,422,000 | 52,556,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 376,827,000 | 378,460,000 | 385,745,000 | 378,954,000 |
| Interest-bearing deposits | 319,889,000 | 321,279,000 | 323,749,000 | 317,577,000 |
| Noninterest-bearing deposits | 56,938,000 | 57,181,000 | 61,996,000 | 61,377,000 |
| Equity capital | 38,291,000 | 38,353,000 | 38,653,000 | 38,704,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 6,003,000 | 11,955,000 | 17,700,000 | 23,303,000 |
| Interest expense | 1,991,000 | 3,892,000 | 5,707,000 | 7,373,000 |
| Net interest income | 4,012,000 | 8,063,000 | 11,993,000 | 15,930,000 |
| Noninterest income | 1,115,000 | 2,210,000 | 3,393,000 | 4,570,000 |
| Noninterest expense | 3,679,000 | 7,732,000 | 11,541,000 | 15,440,000 |
| Provision for loan losses | 285,000 | 1,311,000 | 1,496,000 | 2,381,000 |
| Pretax income | 1,163,000 | 1,230,000 | 2,349,000 | 2,679,000 |
| Income tax | 308,000 | 214,000 | 490,000 | 485,000 |
| Net income | 855,000 | 1,016,000 | 1,859,000 | 2,194,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,712,000 | 37,656,000 | 38,253,000 | 38,400,000 |
| Total capital | 39,500,000 | 40,424,000 | 40,778,000 | 41,591,000 |
| Risk-weighted assets | 317,012,000 | 327,682,000 | 334,256,000 | 340,719,000 |
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