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Blue Ridge Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$8,075,000	4,004
Total interest expense	$3,948,000	3,753
Net interest income	$4,127,000	4,208
Provision for loan and lease losses	$300,000	2,555
Total noninterest income	$546,000	4,867
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$454,000	2,975
Trading account gains and fees	$0	262
Additional Noninterest Income	$92,000	7,384
Total noninterest expense	$3,725,000	3,563
Salaries and employee benefits	$1,548,000	4,191
Premises and equipment expense	$472,000	3,956
Additional noninterest expense	$1,705,000	2,810
Pre-tax net operating income	$648,000	7,188
Securities gains (losses)	$0	4,148
Applicable income taxes	$244,000	6,529
Income before extraordinary items	$404,000	7,592
Extraordinary gains, net	$0	53
Net income	$404,000	7,591
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$26,000	6,379
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$404,000	7,527
1995-12-31 (YTD Data)		Rank
Total interest income	$7,351,000	4,361
Total interest expense	$3,808,000	3,845
Net interest income	$3,543,000	4,812
Provision for loan and lease losses	$153,000	3,586
Total noninterest income	$536,000	4,933
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$413,000	3,266
Trading account gains and fees	NA	NA
Additional Noninterest Income	$123,000	6,567
Total noninterest expense	$3,061,000	4,211
Salaries and employee benefits	$1,600,000	4,052
Premises and equipment expense	$510,000	3,703
Additional noninterest expense	$951,000	4,547
Pre-tax net operating income	$865,000	6,573
Securities gains (losses)	$-13,000	10,273
Applicable income taxes	$319,000	5,789
Income before extraordinary items	$533,000	7,011
Extraordinary gains, net	$0	65
Net income	$533,000	7,010
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$28,000	6,109
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$541,320	6,934
1994-12-31 (YTD Data)		Rank
Total interest income	$5,652,000	5,126
Total interest expense	$2,999,000	3,964
Net interest income	$2,653,000	6,169
Provision for loan and lease losses	$136,000	3,812
Total noninterest income	$397,000	6,177
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$306,000	4,292
Trading account gains and fees	NA	NA
Additional Noninterest Income	$91,000	7,803
Total noninterest expense	$3,070,000	4,326
Salaries and employee benefits	$1,516,000	4,242
Premises and equipment expense	$778,000	2,588
Additional noninterest expense	$776,000	5,846
Pre-tax net operating income	$-156,000	12,236
Securities gains (losses)	$-274,000	12,086
Applicable income taxes	$-160,000	12,362
Income before extraordinary items	$-270,000	12,258
Extraordinary gains, net	$0	249
Net income	$-270,000	12,256
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	7,569
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$-94,640	12,164
1993-12-31 (YTD Data)		Rank
Total interest income	$1,190,000	11,913
Total interest expense	$875,000	9,659
Net interest income	$315,000	12,981
Provision for loan and lease losses	$30,000	8,397
Total noninterest income	$121,000	10,820
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$27,000	10,831
Trading account gains and fees	NA	NA
Additional Noninterest Income	$94,000	8,081
Total noninterest expense	$1,184,000	8,958
Salaries and employee benefits	$588,000	8,908
Premises and equipment expense	$248,000	6,711
Additional noninterest expense	$348,000	9,861
Pre-tax net operating income	$-778,000	12,931
Securities gains (losses)	$0	7,477
Applicable income taxes	$-225,000	13,051
Income before extraordinary items	$-553,000	12,908
Extraordinary gains, net	$0	3,149
Net income	$-553,000	12,916
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	9,724
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$-553,000	12,859
1992-12-31 (YTD Data)		Rank
Total interest income	$97,000	13,894
Total interest expense	$70,000	13,845
Net interest income	$27,000	13,890
Provision for loan and lease losses	$8,000	11,328
Total noninterest income	$8,000	13,813
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$6,000	11,671
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,000	13,804
Total noninterest expense	$224,000	13,759
Salaries and employee benefits	$106,000	13,771
Premises and equipment expense	$59,000	12,326
Additional noninterest expense	$59,000	13,806
Pre-tax net operating income	$-197,000	13,084
Securities gains (losses)	$0	8,369
Applicable income taxes	$0	12,680
Income before extraordinary items	$-197,000	13,177
Extraordinary gains, net	$0	1,422
Net income	$-197,000	13,169
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	11,197
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$2,000,000	305
Net operating income	$-197,000	13,059

* 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.