Call reports 2004
BLUE RIDGE BANK AND TRUST CO. — 2004
What BLUE RIDGE BANK AND TRUST CO. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 445,907,000 | 445,402,000 | 446,912,000 | 451,541,000 |
| Total loans | 295,477,000 | 298,285,000 | 310,812,000 | 309,776,000 |
| Allowance for loan losses | 2,883,000 | 3,312,000 | 3,412,000 | 3,720,000 |
| Securities available for sale | 37,674,000 | 39,864,000 | 36,176,000 | 35,894,000 |
| Securities held to maturity | 48,631,000 | 46,374,000 | 45,152,000 | 42,842,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 379,243,000 | 380,249,000 | 378,902,000 | 384,018,000 |
| Interest-bearing deposits | 317,637,000 | 319,239,000 | 317,708,000 | 322,066,000 |
| Noninterest-bearing deposits | 61,606,000 | 61,010,000 | 61,194,000 | 61,952,000 |
| Equity capital | 39,495,000 | 38,782,000 | 39,632,000 | 39,157,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 5,575,000 | 11,141,000 | 16,791,000 | 22,367,000 |
| Interest expense | 1,535,000 | 3,061,000 | 4,668,000 | 6,337,000 |
| Net interest income | 4,040,000 | 8,080,000 | 12,123,000 | 16,030,000 |
| Noninterest income | 1,121,000 | 2,389,000 | 3,764,000 | 4,821,000 |
| Noninterest expense | 3,810,000 | 8,245,000 | 12,529,000 | 17,062,000 |
| Provision for loan losses | 300,000 | 1,465,000 | 1,655,000 | 2,313,000 |
| Pretax income | 1,051,000 | 776,000 | 1,720,000 | 1,515,000 |
| Income tax | 241,000 | 0 | 219,000 | 8,000 |
| Net income | 810,000 | 776,000 | 1,501,000 | 1,507,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,094,000 | 38,904,000 | 39,499,000 | 39,197,000 |
| Total capital | 42,199,000 | 42,459,000 | 43,162,000 | 43,176,000 |
| Risk-weighted assets | 348,977,000 | 354,180,000 | 364,265,000 | 365,742,000 |
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