Call reports 2009
BLUE RIDGE BANK AND TRUST CO. — 2009
What BLUE RIDGE BANK AND TRUST CO. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 501,060,000 | 479,621,000 | 482,224,000 | 481,211,000 |
| Total loans | 349,933,000 | 351,344,000 | 347,721,000 | 338,045,000 |
| Allowance for loan losses | 8,196,000 | 9,796,000 | 8,980,000 | 7,415,000 |
| Securities available for sale | 39,281,000 | 45,021,000 | 36,219,000 | 36,275,000 |
| Securities held to maturity | 22,924,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 427,217,000 | 412,708,000 | 415,807,000 | 417,397,000 |
| Interest-bearing deposits | 342,092,000 | 337,311,000 | 343,341,000 | 335,902,000 |
| Noninterest-bearing deposits | 85,125,000 | 75,397,000 | 72,466,000 | 81,495,000 |
| Equity capital | 50,873,000 | 43,602,000 | 42,967,000 | 39,784,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,175,000 | 10,605,000 | 16,165,000 | 21,495,000 |
| Interest expense | 1,932,000 | 3,767,000 | 5,553,000 | 7,185,000 |
| Net interest income | 3,243,000 | 6,838,000 | 10,612,000 | 14,310,000 |
| Noninterest income | 1,559,000 | 3,206,000 | 4,729,000 | 6,223,000 |
| Noninterest expense | 4,980,000 | 12,304,000 | 15,361,000 | 21,434,000 |
| Provision for loan losses | 2,270,000 | 8,807,000 | 11,735,000 | 14,007,000 |
| Pretax income | -2,386,000 | -10,762,000 | -11,045,000 | -14,198,000 |
| Income tax | -715,000 | -933,000 | -933,000 | -1,081,000 |
| Net income | -1,671,000 | -9,829,000 | -10,112,000 | -13,117,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,794,000 | 40,728,000 | 40,402,000 | 37,638,000 |
| Total capital | 53,844,000 | 45,909,000 | 45,494,000 | 42,531,000 |
| Risk-weighted assets | 406,025,000 | 409,694,000 | 403,324,000 | 388,756,000 |
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