Home > Blue Ridge Bank > Income and Expense
Blue Ridge Bank, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $9,003,000 | 3,541 |
| Total interest expense | $4,306,000 | 3,439 |
| Net interest income | $4,697,000 | 3,608 |
| Provision for loan and lease losses | $80,000 | 5,577 |
| Total noninterest income | $609,000 | 4,340 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $429,000 | 2,942 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $180,000 | 5,229 |
| Total noninterest expense | $4,429,000 | 2,927 |
| Salaries and employee benefits | $1,863,000 | 3,565 |
| Premises and equipment expense | $747,000 | 2,603 |
| Additional noninterest expense | $1,819,000 | 2,292 |
| Pre-tax net operating income | $797,000 | 6,106 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $812,000 | 2,710 |
| Income before extraordinary items | $-15,000 | 9,865 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-15,000 | 9,863 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $185,000 | 2,571 |
| Cash dividends | $200,000 | 5,324 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-15,000 | 9,823 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,948,000 | 3,598 |
| Total interest expense | $3,471,000 | 4,167 |
| Net interest income | $5,477,000 | 3,190 |
| Provision for loan and lease losses | $376,000 | 2,190 |
| Total noninterest income | $579,000 | 4,522 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $375,000 | 3,407 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $204,000 | 4,907 |
| Total noninterest expense | $4,812,000 | 2,662 |
| Salaries and employee benefits | $2,484,000 | 2,665 |
| Premises and equipment expense | $712,000 | 2,696 |
| Additional noninterest expense | $1,616,000 | 2,540 |
| Pre-tax net operating income | $868,000 | 6,257 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $-176,000 | 10,778 |
| Income before extraordinary items | $1,044,000 | 4,539 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,044,000 | 4,538 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $169,000 | 2,828 |
| Cash dividends | $1,650,000 | 1,505 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,044,000 | 4,482 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,435,000 | 3,836 |
| Total interest expense | $4,127,000 | 3,599 |
| Net interest income | $4,308,000 | 4,026 |
| Provision for loan and lease losses | $147,000 | 4,139 |
| Total noninterest income | $501,000 | 5,145 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $300,000 | 4,229 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $201,000 | 5,145 |
| Total noninterest expense | $3,132,000 | 4,165 |
| Salaries and employee benefits | $1,544,000 | 4,203 |
| Premises and equipment expense | $696,000 | 2,812 |
| Additional noninterest expense | $892,000 | 4,791 |
| Pre-tax net operating income | $1,530,000 | 4,269 |
| Securities gains (losses) | $-2,000 | 9,485 |
| Applicable income taxes | $462,000 | 4,417 |
| Income before extraordinary items | $1,066,000 | 4,249 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,066,000 | 4,250 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $147,000 | 3,215 |
| Cash dividends | $169,000 | 5,790 |
| Sale, conversion, retirement of capital stock, net | $68,000 | 690 |
| Net operating income | $1,067,400 | 4,193 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,086,000 | 4,508 |
| Total interest expense | $3,199,000 | 4,483 |
| Net interest income | $3,887,000 | 4,420 |
| Provision for loan and lease losses | $91,000 | 4,801 |
| Total noninterest income | $477,000 | 5,351 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $295,000 | 4,351 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $182,000 | 5,396 |
| Total noninterest expense | $2,742,000 | 4,610 |
| Salaries and employee benefits | $1,384,000 | 4,607 |
| Premises and equipment expense | $508,000 | 3,716 |
| Additional noninterest expense | $850,000 | 4,992 |
| Pre-tax net operating income | $1,531,000 | 4,380 |
| Securities gains (losses) | $-1,000 | 9,017 |
| Applicable income taxes | $528,000 | 4,018 |
| Income before extraordinary items | $1,002,000 | 4,620 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,002,000 | 4,619 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 3,985 |
| Cash dividends | $144,000 | 6,167 |
| Sale, conversion, retirement of capital stock, net | $3,664,000 | 142 |
| Net operating income | $1,002,650 | 4,586 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,522,000 | 5,222 |
| Total interest expense | $2,130,000 | 5,321 |
| Net interest income | $3,392,000 | 5,075 |
| Provision for loan and lease losses | $54,000 | 5,980 |
| Total noninterest income | $470,000 | 5,510 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $293,000 | 4,452 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $177,000 | 5,670 |
| Total noninterest expense | $2,521,000 | 5,122 |
| Salaries and employee benefits | $1,123,000 | 5,559 |
| Premises and equipment expense | $507,000 | 3,756 |
| Additional noninterest expense | $891,000 | 5,221 |
| Pre-tax net operating income | $1,287,000 | 4,979 |
| Securities gains (losses) | $24,000 | 1,636 |
| Applicable income taxes | $476,000 | 4,208 |
| Income before extraordinary items | $835,000 | 5,189 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $835,000 | 5,197 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-37,000 | 11,710 |
| Cash dividends | $84,000 | 7,238 |
| Sale, conversion, retirement of capital stock, net | $38,000 | 938 |
| Net operating income | $819,640 | 5,327 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,753,000 | 6,032 |
| Total interest expense | $1,970,000 | 5,908 |
| Net interest income | $2,783,000 | 6,005 |
| Provision for loan and lease losses | $360,000 | 2,633 |
| Total noninterest income | $447,000 | 6,020 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $286,000 | 4,611 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $161,000 | 6,332 |
| Total noninterest expense | $2,269,000 | 5,731 |
| Salaries and employee benefits | $1,062,000 | 5,818 |
| Premises and equipment expense | $443,000 | 4,322 |
| Additional noninterest expense | $764,000 | 6,148 |
| Pre-tax net operating income | $601,000 | 7,937 |
| Securities gains (losses) | $-6,000 | 12,616 |
| Applicable income taxes | $211,000 | 7,412 |
| Income before extraordinary items | $384,000 | 8,591 |
| Extraordinary gains, net | $225,000 | 928 |
| Net income | $609,000 | 6,873 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $271,000 | 2,614 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $387,900 | 8,295 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,711,000 | 6,660 |
| Total interest expense | $2,360,000 | 6,267 |
| Net interest income | $2,351,000 | 6,887 |
| Provision for loan and lease losses | $364,000 | 3,662 |
| Total noninterest income | $410,000 | 6,465 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $248,000 | 5,171 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $162,000 | 6,369 |
| Total noninterest expense | $2,154,000 | 6,025 |
| Salaries and employee benefits | $1,022,000 | 5,914 |
| Premises and equipment expense | $398,000 | 4,812 |
| Additional noninterest expense | $734,000 | 6,521 |
| Pre-tax net operating income | $243,000 | 10,676 |
| Securities gains (losses) | $8,000 | 6,653 |
| Applicable income taxes | $81,000 | 10,417 |
| Income before extraordinary items | $170,000 | 10,995 |
| Extraordinary gains, net | $81,000 | 828 |
| Net income | $251,000 | 10,054 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $354,000 | 3,036 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $164,560 | 10,743 |
* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.