Call reports 2020
BLUE RIDGE BANK AND TRUST CO. — 2020
What BLUE RIDGE BANK AND TRUST CO. reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 559,585,000 | 624,757,000 | 627,830,000 | 674,832,000 |
| Total loans | 400,286,000 | 446,861,000 | 458,076,000 | 417,757,000 |
| Allowance for loan losses | 5,054,000 | 5,776,000 | 6,463,000 | 7,491,000 |
| Securities available for sale | 75,453,000 | 74,785,000 | 81,901,000 | 97,575,000 |
| Securities held to maturity | 16,118,000 | 15,122,000 | 12,126,000 | 8,462,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 481,621,000 | 543,227,000 | 542,071,000 | 581,594,000 |
| Interest-bearing deposits | 348,355,000 | 363,762,000 | 368,682,000 | 383,962,000 |
| Noninterest-bearing deposits | 133,266,000 | 179,465,000 | 173,389,000 | 197,632,000 |
| Equity capital | 56,591,000 | 58,067,000 | 59,322,000 | 60,681,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 5,757,000 | 11,477,000 | 17,298,000 | 23,133,000 |
| Interest expense | 712,000 | 1,353,000 | 1,966,000 | 2,560,000 |
| Net interest income | 5,045,000 | 10,124,000 | 15,332,000 | 20,573,000 |
| Noninterest income | 1,421,000 | 2,719,000 | 4,154,000 | 6,268,000 |
| Noninterest expense | 4,395,000 | 8,463,000 | 12,669,000 | 17,064,000 |
| Provision for loan losses | 240,000 | 990,000 | 1,840,000 | 2,940,000 |
| Pretax income | 1,831,000 | 3,407,000 | 5,004,000 | 6,864,000 |
| Income tax | 412,000 | 756,000 | 1,072,000 | 1,336,000 |
| Net income | 1,419,000 | 2,651,000 | 3,932,000 | 5,528,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,631,000 | 56,861,000 | 58,043,000 | 59,439,000 |
| Total capital | 60,792,000 | 62,523,000 | 63,862,000 | 65,178,000 |
| Risk-weighted assets | 451,749,000 | 452,719,000 | 464,792,000 | 457,271,000 |