Call reports 2015
BLUE RIDGE BANK AND TRUST CO. — 2015
What BLUE RIDGE BANK AND TRUST CO. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 493,979,000 | 494,616,000 | 485,918,000 | 489,350,000 |
| Total loans | 329,728,000 | 343,887,000 | 330,898,000 | 337,643,000 |
| Allowance for loan losses | 5,896,000 | 6,340,000 | 6,339,000 | 5,994,000 |
| Securities available for sale | 59,376,000 | 56,507,000 | 55,621,000 | 55,414,000 |
| Securities held to maturity | 22,032,000 | 22,042,000 | 22,052,000 | 21,058,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 436,134,000 | 438,098,000 | 431,644,000 | 432,003,000 |
| Interest-bearing deposits | 336,601,000 | 329,059,000 | 321,671,000 | 322,211,000 |
| Noninterest-bearing deposits | 99,533,000 | 109,039,000 | 109,973,000 | 109,792,000 |
| Equity capital | 44,874,000 | 45,736,000 | 45,877,000 | 45,883,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,018,000 | 8,156,000 | 12,399,000 | 16,557,000 |
| Interest expense | 320,000 | 650,000 | 973,000 | 1,288,000 |
| Net interest income | 3,698,000 | 7,506,000 | 11,426,000 | 15,269,000 |
| Noninterest income | 1,451,000 | 3,107,000 | 4,636,000 | 6,211,000 |
| Noninterest expense | 3,824,000 | 7,778,000 | 11,738,000 | 15,842,000 |
| Provision for loan losses | 375,000 | 800,000 | 1,125,000 | 1,275,000 |
| Pretax income | 973,000 | 2,058,000 | 3,222,000 | 4,386,000 |
| Income tax | 24,000 | 109,000 | 500,000 | 961,000 |
| Net income | 949,000 | 1,949,000 | 2,722,000 | 3,425,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,255,000 | 43,426,000 | 43,417,000 | 45,807,000 |
| Total capital | 47,869,000 | 48,209,000 | 48,083,000 | 50,544,000 |
| Risk-weighted assets | 366,490,000 | 379,291,000 | 369,807,000 | 377,202,000 |