BLUE RIDGE BANKSHARES, INC.  CONSOLIDATED BALANCE SHEETS  December 31,2012 and 2011  The Notes to the Consolidated Financial Statements are  an integral part of these statements. 3 ASSETS  Cash and due from banks (Note 2)  Federal funds sold  Investment securities  Securities available for sale (at fair value) (Note 3)  Securities held to maturity (fair value of $13,568,540  in 2012, $13,132,367 in 2011) (Note 3)  Restricted investments  Total Investment Securities  Loans held for sale (Note 4)  Loans held for investment (Note 4)  Allowance for loan losses (Note 4)  Net Loans Held for Investment  Bank premises and equipment, net (Note 5)  Bank owned life insurance (Note 1)  Goodwill (Note 11)  Other assets  Total Assets  LIABILITIES  Deposits  Demand deposits  Noninterest bearing  Interest bearing  Savings deposits  Time deposits (Note 6)  Total Deposits  Federal funds purchased  Other borrowed funds (Note 7)  Other liabilities  Total liabilities  STOCKHOLDERS’ EQUITY  Preferred stock, $50 par value, authorized - 250,000 shares;  outstanding - 4,500 shares (Note 8)  Common stock, no par value, authorized - 5,000,000 shares;  outstanding - 942,221 and 941,913, respectively (Note 9)  Contributed equity  Retained eamings  Accumulated other comprehensive income  Total Stockholders’ Equity  Total Liabilities and Stockholders’ Equity  2012  2011  $ 3,672,032 $  3,648,000  41,956,697  12,817,744  1,598,500  56,372,941  10,792,727  127,127,540  (1,781,670)  125,345,870  1,987,953  2,215,300  555,000  3,638,714  $ 208,228,537 $  3,344,344  - 48,524,538  12,917,989  1,654,300  63,096,827  9,609,881  116,873,834  (1,456,838)  115,416,996  2,016,038  2,143,800  555,000  3,656,887  199,839,773  $ 21,570,207 J  39,423,482  9,615,540  98,128,419  168,737,648  20,334,123  662,331  189,734,102  20,320,970  39,641,003  8,222,923  95,254,808  163,439,704  752,000  17,592,857  617,501  182,402,062  225,000  225,000  938,573  4,275,000  12,954,501  101,361  18,494,435  $ 208,228,537 $  935,339  4,275,000  11,918,132  84,240  17,437,711  199,839,773 