Call reports 2008
BLUE RIDGE BANK AND TRUST CO. — 2008
What BLUE RIDGE BANK AND TRUST CO. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 494,368,000 | 484,659,000 | 468,758,000 | 465,983,000 |
| Total loans | 348,690,000 | 345,558,000 | 333,954,000 | 337,139,000 |
| Allowance for loan losses | 4,932,000 | 3,384,000 | 4,260,000 | 6,653,000 |
| Securities available for sale | 38,519,000 | 38,292,000 | 35,341,000 | 36,179,000 |
| Securities held to maturity | 29,460,000 | 26,787,000 | 27,256,000 | 26,264,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 420,012,000 | 413,277,000 | 398,132,000 | 400,747,000 |
| Interest-bearing deposits | 345,378,000 | 335,520,000 | 326,113,000 | 323,499,000 |
| Noninterest-bearing deposits | 74,634,000 | 77,757,000 | 72,020,000 | 77,248,000 |
| Equity capital | 45,650,000 | 45,113,000 | 44,383,000 | 41,802,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,113,000 | 13,706,000 | 19,828,000 | 25,502,000 |
| Interest expense | 3,125,000 | 5,813,000 | 8,256,000 | 10,390,000 |
| Net interest income | 3,988,000 | 7,893,000 | 11,572,000 | 15,112,000 |
| Noninterest income | 1,564,000 | 3,229,000 | 4,914,000 | 6,603,000 |
| Noninterest expense | 5,006,000 | 9,883,000 | 14,441,000 | 19,906,000 |
| Provision for loan losses | 90,000 | 515,000 | 1,660,000 | 6,635,000 |
| Pretax income | 456,000 | 724,000 | 385,000 | -4,826,000 |
| Income tax | 119,000 | 192,000 | 105,000 | -2,293,000 |
| Net income | 337,000 | 532,000 | 280,000 | -2,533,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,148,000 | 45,177,000 | 44,290,000 | 40,734,000 |
| Total capital | 50,282,000 | 48,763,000 | 48,752,000 | 45,725,000 |
| Risk-weighted assets | 415,910,000 | 410,646,000 | 398,599,000 | 397,447,000 |
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