Call reports 2011
BLUE RIDGE BANK AND TRUST CO. — 2011
What BLUE RIDGE BANK AND TRUST CO. reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 462,778,000 | 472,724,000 | 469,859,000 | 469,926,000 |
| Total loans | 295,001,000 | 285,665,000 | 289,116,000 | 288,217,000 |
| Allowance for loan losses | 7,747,000 | 7,084,000 | 7,841,000 | 9,010,000 |
| Securities available for sale | 49,345,000 | 51,284,000 | 69,126,000 | 71,223,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 416,838,000 | 422,591,000 | 423,668,000 | 424,504,000 |
| Interest-bearing deposits | 342,983,000 | 343,919,000 | 346,574,000 | 342,207,000 |
| Noninterest-bearing deposits | 73,855,000 | 78,672,000 | 77,094,000 | 82,297,000 |
| Equity capital | 41,092,000 | 40,873,000 | 40,809,000 | 40,111,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,414,000 | 8,771,000 | 13,073,000 | 17,412,000 |
| Interest expense | 836,000 | 1,601,000 | 2,337,000 | 3,006,000 |
| Net interest income | 3,578,000 | 7,170,000 | 10,736,000 | 14,406,000 |
| Noninterest income | 1,391,000 | 2,619,000 | 3,807,000 | 5,357,000 |
| Noninterest expense | 4,344,000 | 8,503,000 | 12,706,000 | 16,844,000 |
| Provision for loan losses | 335,000 | 1,420,000 | 2,325,000 | 3,840,000 |
| Pretax income | 290,000 | 97,000 | -135,000 | -568,000 |
| Income tax | 44,000 | 20,000 | 33,000 | -16,000 |
| Net income | 246,000 | 77,000 | -168,000 | -552,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,077,000 | 38,814,000 | 38,595,000 | 37,857,000 |
| Total capital | 43,281,000 | 42,897,000 | 42,689,000 | 41,909,000 |
| Risk-weighted assets | 332,634,000 | 323,556,000 | 323,688,000 | 319,063,000 |