Call reports 2013
BLUE RIDGE BANK AND TRUST CO. — 2013
What BLUE RIDGE BANK AND TRUST CO. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 469,444,000 | 466,756,000 | 458,728,000 | 462,784,000 |
| Total loans | 280,889,000 | 296,637,000 | 305,361,000 | 297,951,000 |
| Allowance for loan losses | 6,990,000 | 7,322,000 | 7,775,000 | 5,719,000 |
| Securities available for sale | 97,253,000 | 96,128,000 | 70,255,000 | 66,450,000 |
| Securities held to maturity | 0 | 0 | 22,500,000 | 22,608,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 418,123,000 | 417,522,000 | 412,197,000 | 413,659,000 |
| Interest-bearing deposits | 337,282,000 | 328,053,000 | 322,472,000 | 324,408,000 |
| Noninterest-bearing deposits | 80,841,000 | 89,469,000 | 89,725,000 | 89,251,000 |
| Equity capital | 41,726,000 | 40,201,000 | 39,903,000 | 40,916,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,910,000 | 8,011,000 | 12,393,000 | 16,454,000 |
| Interest expense | 369,000 | 712,000 | 1,026,000 | 1,327,000 |
| Net interest income | 3,541,000 | 7,299,000 | 11,367,000 | 15,127,000 |
| Noninterest income | 1,315,000 | 2,426,000 | 3,579,000 | 5,363,000 |
| Noninterest expense | 3,996,000 | 8,289,000 | 12,341,000 | 16,617,000 |
| Provision for loan losses | 575,000 | 1,150,000 | 1,825,000 | 2,500,000 |
| Pretax income | 285,000 | 568,000 | 1,062,000 | 1,655,000 |
| Income tax | 13,000 | 31,000 | 50,000 | -278,000 |
| Net income | 272,000 | 537,000 | 1,012,000 | 1,933,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,601,000 | 39,410,000 | 39,885,000 | 40,573,000 |
| Total capital | 43,560,000 | 43,525,000 | 44,016,000 | 44,583,000 |
| Risk-weighted assets | 313,542,000 | 325,860,000 | 326,739,000 | 319,005,000 |