Call reports 2016
BLUE RIDGE BANK AND TRUST CO. — 2016
What BLUE RIDGE BANK AND TRUST CO. reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 502,935,000 | 507,266,000 | 515,534,000 | 510,549,000 |
| Total loans | 347,302,000 | 349,462,000 | 350,662,000 | 361,871,000 |
| Allowance for loan losses | 6,293,000 | 6,686,000 | 7,145,000 | 6,935,000 |
| Securities available for sale | 57,021,000 | 61,284,000 | 68,085,000 | 72,180,000 |
| Securities held to maturity | 21,062,000 | 20,066,000 | 20,070,000 | 20,073,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 443,330,000 | 443,771,000 | 458,373,000 | 451,680,000 |
| Interest-bearing deposits | 327,526,000 | 326,456,000 | 327,775,000 | 331,557,000 |
| Noninterest-bearing deposits | 115,804,000 | 117,315,000 | 130,598,000 | 120,123,000 |
| Equity capital | 46,878,000 | 47,468,000 | 46,810,000 | 46,888,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,256,000 | 8,604,000 | 13,112,000 | 17,577,000 |
| Interest expense | 321,000 | 646,000 | 980,000 | 1,306,000 |
| Net interest income | 3,935,000 | 7,958,000 | 12,132,000 | 16,271,000 |
| Noninterest income | 1,534,000 | 3,083,000 | 4,597,000 | 6,090,000 |
| Noninterest expense | 3,854,000 | 7,855,000 | 11,853,000 | 15,818,000 |
| Provision for loan losses | 300,000 | 400,000 | 400,000 | 400,000 |
| Pretax income | 1,315,000 | 2,786,000 | 4,476,000 | 6,143,000 |
| Income tax | 490,000 | 1,074,000 | 1,654,000 | 2,204,000 |
| Net income | 825,000 | 1,712,000 | 2,822,000 | 3,939,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,590,000 | 47,270,000 | 46,675,000 | 47,038,000 |
| Total capital | 51,558,000 | 52,208,000 | 51,728,000 | 52,111,000 |
| Risk-weighted assets | 395,740,000 | 392,997,000 | 401,826,000 | 403,469,000 |