Call reports 2014
BLUE RIDGE BANK AND TRUST CO. — 2014
What BLUE RIDGE BANK AND TRUST CO. reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 469,569,000 | 464,643,000 | 482,041,000 | 481,493,000 |
| Total loans | 304,137,000 | 288,102,000 | 284,239,000 | 325,963,000 |
| Allowance for loan losses | 5,521,000 | 5,833,000 | 6,041,000 | 6,138,000 |
| Securities available for sale | 68,555,000 | 67,216,000 | 68,839,000 | 69,440,000 |
| Securities held to maturity | 22,714,000 | 23,829,000 | 23,926,000 | 23,995,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 418,514,000 | 408,274,000 | 427,912,000 | 423,060,000 |
| Interest-bearing deposits | 327,475,000 | 319,606,000 | 320,268,000 | 320,738,000 |
| Noninterest-bearing deposits | 91,039,000 | 88,668,000 | 107,644,000 | 102,322,000 |
| Equity capital | 41,882,000 | 42,765,000 | 43,112,000 | 44,906,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,937,000 | 7,894,000 | 11,685,000 | 15,579,000 |
| Interest expense | 292,000 | 581,000 | 878,000 | 1,185,000 |
| Net interest income | 3,645,000 | 7,313,000 | 10,807,000 | 14,394,000 |
| Noninterest income | 1,422,000 | 2,966,000 | 4,477,000 | 6,459,000 |
| Noninterest expense | 3,748,000 | 7,690,000 | 11,555,000 | 15,571,000 |
| Provision for loan losses | 500,000 | 875,000 | 1,200,000 | 1,700,000 |
| Pretax income | 819,000 | 1,714,000 | 2,529,000 | 3,582,000 |
| Income tax | 11,000 | 35,000 | 54,000 | -1,051,000 |
| Net income | 808,000 | 1,679,000 | 2,475,000 | 4,633,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,264,000 | 41,816,000 | 42,169,000 | 42,831,000 |
| Total capital | 45,353,000 | 45,722,000 | 46,033,000 | 47,187,000 |
| Risk-weighted assets | 325,582,000 | 310,485,000 | 306,846,000 | 346,632,000 |