BLUE RIDGE BANKSHARES, EVC.  NOTES TO THE CONSOLBDATED FEVANCIAL STATEMENTS  December 31,2012  Note 21. Regulatory Matters (Continued)  AsofDecember31,2012  Total risk based capital  (To risk rated assets)  Blue Ridge Bankshares $  Blue Ridge Bank $ Tier I capital  (To risk rated assets)  Blue Ridge Bankshares $  Blue Ridge Bank $ Tier I capital  (To average assets)  Blue Ridge Bankshares S  Blue Ridge Bank $ Actual  Amount  20,074  18,224  18,292  16,726  18,292  16,726  Ratio  16.64%  15.24%  15.17%  13.99%  8.97%  8.06%  $  $  $  $  $  $  For Capital  Adequacy Purposes  Amount Ratio 9,649  9,567  4,825  4,784  8,161  8,305  8%  8%  4%  4%  4%  4%  $  $  $  To Be Well Capitalized  Under the Prompt  Corrective Action  Provisions  Amount  N/A  11,959  N/A  7,175  N/A  10,381  Ratio  N/A  10%  N/A  6%  N/A  5%  35  (Continued)  AsofDecember31,2011  Total risk based capital  (To risk rated assets)  Blue Ridge Bankshares $  Page Valley Bank $ Tier I capital  (To risk rated assets)  Blue Ridge Bankshares $  Page Valley Bank $ Tier I capital  (To average assets)  Blue Ridge Bankshares $  Page Valley Bank $ Actual  Amount  18,140  17,233  16,747  15,840  16,747  15,840  Ratio  16.15%  15.47%  14.91%  14.22%  9.55%  9.18%  $  $  $  $  $  $  For Capital  Adequacy Purposes  Amount Ratio 8,984  8,909  4,492  4,455  7,014  6,902  8%  8%  4%  4%  4%  4%  $  $  $  To Be Well Capitalized  Under the Prompt  Con-ective Action  Provisions  Amount  N/A  11,137  N/A  6,682  N/A  8,628  Ratio  N/A  10%  N/A  6%  N/A  5% 