Call reports 2007
BLUE RIDGE BANK AND TRUST CO. — 2007
What BLUE RIDGE BANK AND TRUST CO. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 485,549,000 | 482,380,000 | 480,324,000 | 494,749,000 |
| Total loans | 341,598,000 | 352,402,000 | 355,043,000 | 348,381,000 |
| Allowance for loan losses | 3,030,000 | 3,155,000 | 3,358,000 | 4,947,000 |
| Securities available for sale | 33,557,000 | 32,394,000 | 28,699,000 | 33,426,000 |
| Securities held to maturity | 34,662,000 | 34,373,000 | 33,782,000 | 33,022,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 409,772,000 | 408,906,000 | 407,841,000 | 418,745,000 |
| Interest-bearing deposits | 333,114,000 | 330,185,000 | 337,070,000 | 345,743,000 |
| Noninterest-bearing deposits | 76,658,000 | 78,721,000 | 70,771,000 | 73,002,000 |
| Equity capital | 44,466,000 | 44,819,000 | 45,309,000 | 45,088,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,638,000 | 15,383,000 | 23,282,000 | 30,877,000 |
| Interest expense | 3,263,000 | 6,564,000 | 10,084,000 | 13,559,000 |
| Net interest income | 4,375,000 | 8,819,000 | 13,198,000 | 17,318,000 |
| Noninterest income | 1,482,000 | 2,963,000 | 4,569,000 | 6,255,000 |
| Noninterest expense | 4,613,000 | 9,246,000 | 14,030,000 | 18,681,000 |
| Provision for loan losses | 175,000 | 525,000 | 825,000 | 2,735,000 |
| Pretax income | 1,069,000 | 2,011,000 | 2,906,000 | 2,151,000 |
| Income tax | 290,000 | 538,000 | 789,000 | 346,000 |
| Net income | 779,000 | 1,473,000 | 2,117,000 | 1,805,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,634,000 | 45,061,000 | 45,338,000 | 44,976,000 |
| Total capital | 47,866,000 | 48,418,000 | 48,898,000 | 50,125,000 |
| Risk-weighted assets | 405,446,000 | 413,116,000 | 413,849,000 | 413,322,000 |
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