Blue Ridge Bank and Trust Co. in Independence, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Blue Ridge Bank and Trust Co. in Independence, Missouri (MO)
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Blue Ridge Bank and Trust Co. - Overview

  • General
  • FDIC Certificate #: 17933
    Status: Active
    Federal Reserve ID: 935250
    Bank Holding Company (Regulatory Top Holder): Blue Ridge Bancshares, Inc. (RSSDID: 1891317, Location: Independence, MO)
    Date Established: September 08, 1958
    WWW: http://www.blueridgebank.net
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 11 (Domestic: 11, Interstate: No)
    OTS Docket #: 12663
    FDIC's unique #: 11868
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: November 20, 1958
    Last Structure Change Effective Date: June 13, 2011
    Last Structure Change Process Date: June 13, 2011
    Last Data Update: June 13, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 4200 Little Blue Parkway, Independence, MO 64057
    County: Jackson
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Kansas City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Kansas City, MO-KS (#3760)
    Combined Statistical Area (CSA): Kansas City-Overland Park-Kansas City, MO-KS (#312)
    Core Based Statistical Area (CBSA): Kansas City, MO-KS (#28140)
    CBSA Metro Statistical Area: Kansas City, MO-KS (#28140)
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $469.9 mil
    Equity capital: $40.1 mil
    Deposits held in domestic offices: $424.5 mil
    Return on assets (ROA): -0.12% (-$0.6 mil)
    Quarterly return on assets: -0.33% (-$1.6 mil)
    Return on Equity (ROE): -1.35% (-$0.5 mil)
    Quarterly return on equity: -3.80% (-$1.5 mil)
    Net income: -$0.6 mil
    Quarterly Net income: -$0.4 mil
    Pretax return on assets: -0.12% (-$563.9 mil)
    Quarterly Pretax return on assets: -0.37% (-$1,738.7 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 161Total employees (full-time equivalent)
  • $469,926Total assets
  • $75,226Cash and due from depository institutions
  • $65,890Interest-bearing balances
  • $71,223Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $279,207Net loans & leases
  • $9,010Loan loss allowance
  • $0Trading account assets
  • $22,028Bank premises and fixed assets
  • $5,751Other real estate owned
  • $0Goodwill and other intangibles
  • $469,926Life insurance assets
  • $16,491All other assets
  • $429,815Total liabilities and capital
  • $424,504Total liabilities
  • $342,207Total deposits
  • $424,504Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 3873.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,438Subordinated debt
  • $40,111All other liabilities
  • $40,111Total equity capital
  • $40,111Total bank equity capital
  • $0Perpetual preferred stock
  • $1,425Common stock
  • $15,905Surplus
  • $22,781Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,780Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $12,008Income earned, not collected on loans
  • $0Earning assets
  • $1,277Long-term assets (5+ years)
  • $416,320Average Assets, year-to-date
  • $54,384Average Assets, quarterly
  • $468,140Volatile liabilities
  • $469,893Insider loans
  • $319,063FHLB advances
  • $464,940Loans and leases held for sale
  • $8,815Unused loan commitments
  • $8,815Tier 1 (core) risk-based capital
  • $37,857Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $51,358Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $17,412Total interest income
  • $3,006Total interest expense
  • $14,406Net interest income
  • $3,840Provision for loan and lease losses
  • $5,357Total noninterest income
  • $1,766Fiduciary activities
  • $3,570Service charges on deposit accounts
  • $0Trading account gains & fees
  • $21Additional noninterest income
  • $16,844Total noninterest expense
  • $8,356Salaries and employee benefits
  • $3,480Premises and equipment expense
  • $5,008Additional noninterest expense
  • -$921Pre-tax net operating income
  • $353Securities gains (losses)
  • -$16Applicable income taxes
  • -$552Income before extraordinary items
  • $0Extraordinary gains - net
  • -$552Net income attributable to bank
  • $0Net charge-offs
  • -$552Cash dividends
  • $2,661Sale, conversion, retirement of capital stock, net
  • $491Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.23%Yield on earning assets
  • 0.73%Cost of funding earning assets
  • 3.50%Net interest margin
  • 1.30%Noninterest income to earning assets
  • 4.10%Noninterest expense to earning assets
  • -0.19%Net operating income to assets
  • -0.12%Return on assets (ROA)
  • -0.12%Pretax return on assets
  • -1.35%Return on equity (ROE)
  • -2.56%Retained earnings to average equity (YTD only)
  • 0.91%Net charge-offs to loans
  • 144.31%Credit loss provision to net charge-offs
  • 1.10%Efficiency ratio
  • 85,230Assets per employee
  • 2.92%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -88.95%Loss allowance to loans
  • 3.13%Loss allowance to noncurrent loans
  • 75.03%Noncurrent assets plus other real estate owned to assets
  • 3.78%Noncurrent loans to loans
  • 4.17%Net loans and leases to deposits
  • 65.77%Net loans and leases to core deposits
  • 67.36%Equity capital to assets
  • 8.54%Core capital (leverage) ratio
  • 8.14%Tier 1 risk-based capital ratio
  • 11.87%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $468,140Average earning assets
  • $40,757Average equity
  • $411,229Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $362,899Managed Assets
  • 1Number of Accounts
  • $165,228Personal trust and agency accounts
  • $100,715Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $20,029Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $44,484Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 662Number of Accounts
  • $0Personal trust and agency accounts
  • $20,029Employee benefit-defined contribution accounts
  • $365Employee benefit-defined benefit accounts
  • $197,671Other retirement accounts
  • $292Corporate trust and agency accounts
  • $195,577Other fiduciary accounts
  • $725Fiduciary accounts held in foreign offices

List of branches

  • 11 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011868Blue Ridge Bank And Trust Co.4200 Little Blue Parkway, Independence, MO 64057September 08, 1958Full Service Brick and Mortar
    3243165Drive-In Facility4315 Sterling Avenue, Kansas City, MO 64133November 13, 1975Full Service Brick and Mortar
    4264381Lee's Summit Branch121 South M-291 Highway, Lee's Summit, MO 64063January 01, 1918Full Service Brick and Mortar
    5243166Raytown Branch6202 Raytown Trafficway, Raytown, MO 64133June 13, 1994Full Service Brick and Mortar
    8243169Independence Branch17911 East 24 Highway, Unit B-1, Independence, MO 64056December 01, 1998Full Service Brick and Mortar
    11360758Parkwood Branch606 Sw Parkwood Drive, Blue Springs, MO 64014July 16, 2001Full Service Brick and Mortar
    12363226Blue Springs North Branch621 Duncan Road, Blue Springs, MO 64014March 04, 2002Full Service Brick and Mortar
    13364308Chipman Road Branch1812 Nw Chipman Road, Lees Summit, MO 64081May 28, 2002Full Service Brick and Mortar
    14365482Riverside Branch4523 Nw Gateway Drive, Riverside, MO 64150October 21, 2002Full Service Brick and Mortar
    15426582Blue Ridge Boulevard Branch4240 Blue Ridge Boulevard, Kansas City, MO 64133March 02, 2004Full Service Brick and Mortar
    16242784Lee's Summit Branch651 N.E. Woods Chapel Road, Lees Summit, MO 64064December 20, 1995Full Service Brick and Mortar

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