Home > Valley Community Bank > Income and Expense
Valley Community Bank, Income and Expense
1998-12-31 (YTD Data) | Rank | |
Total interest income | $3,467,000 | 6,993 |
Total interest expense | $1,187,000 | 7,943 |
Net interest income | $2,280,000 | 6,162 |
Provision for loan and lease losses | $138,000 | 4,359 |
Total noninterest income | $253,000 | 6,971 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $199,000 | 5,164 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $54,000 | 8,037 |
Total noninterest expense | $1,142,000 | 7,705 |
Salaries and employee benefits | $627,000 | 7,607 |
Premises and equipment expense | $129,000 | 8,085 |
Additional noninterest expense | $386,000 | 7,338 |
Pre-tax net operating income | $1,253,000 | 4,746 |
Securities gains (losses) | $3,000 | 3,720 |
Applicable income taxes | $448,000 | 4,134 |
Income before extraordinary items | $808,000 | 5,167 |
Extraordinary gains, net | $0 | 32 |
Net income | $808,000 | 5,167 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $5,000 | 7,505 |
Cash dividends | $1,685,000 | 1,515 |
Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
Net operating income | $806,080 | 5,082 |
1997-12-31 (YTD Data) | Rank | |
Total interest income | $3,271,000 | 7,427 |
Total interest expense | $1,083,000 | 8,454 |
Net interest income | $2,188,000 | 6,555 |
Provision for loan and lease losses | $39,000 | 7,061 |
Total noninterest income | $253,000 | 7,186 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $199,000 | 5,347 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $54,000 | 8,261 |
Total noninterest expense | $991,000 | 8,370 |
Salaries and employee benefits | $588,000 | 7,996 |
Premises and equipment expense | $95,000 | 9,079 |
Additional noninterest expense | $308,000 | 8,241 |
Pre-tax net operating income | $1,411,000 | 4,702 |
Securities gains (losses) | $4,000 | 2,936 |
Applicable income taxes | $448,000 | 4,545 |
Income before extraordinary items | $967,000 | 4,817 |
Extraordinary gains, net | $0 | 44 |
Net income | $967,000 | 4,816 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $-1,000 | 9,408 |
Cash dividends | $100,000 | 6,450 |
Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
Net operating income | $964,280 | 4,768 |
1996-12-31 (YTD Data) | Rank | |
Total interest income | $2,615,000 | 8,544 |
Total interest expense | $733,000 | 9,871 |
Net interest income | $1,882,000 | 7,399 |
Provision for loan and lease losses | $36,000 | 7,135 |
Total noninterest income | $171,000 | 8,670 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $137,000 | 6,712 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $34,000 | 9,653 |
Total noninterest expense | $897,000 | 9,066 |
Salaries and employee benefits | $533,000 | 8,630 |
Premises and equipment expense | $96,000 | 9,398 |
Additional noninterest expense | $268,000 | 9,203 |
Pre-tax net operating income | $1,120,000 | 5,350 |
Securities gains (losses) | $4,000 | 3,123 |
Applicable income taxes | $367,000 | 5,162 |
Income before extraordinary items | $757,000 | 5,486 |
Extraordinary gains, net | $0 | 53 |
Net income | $757,000 | 5,487 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $-1,000 | 9,767 |
Cash dividends | $91,000 | 6,870 |
Sale, conversion, retirement of capital stock, net | $0 | 953 |
Net operating income | $754,320 | 5,451 |
1995-12-31 (YTD Data) | Rank | |
Total interest income | $2,286,000 | 9,274 |
Total interest expense | $640,000 | 10,523 |
Net interest income | $1,646,000 | 8,155 |
Provision for loan and lease losses | $36,000 | 6,768 |
Total noninterest income | $144,000 | 9,412 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $107,000 | 7,617 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $37,000 | 9,867 |
Total noninterest expense | $863,000 | 9,494 |
Salaries and employee benefits | $494,000 | 9,166 |
Premises and equipment expense | $90,000 | 9,917 |
Additional noninterest expense | $279,000 | 9,499 |
Pre-tax net operating income | $891,000 | 6,466 |
Securities gains (losses) | $6,000 | 2,714 |
Applicable income taxes | $283,000 | 6,221 |
Income before extraordinary items | $614,000 | 6,536 |
Extraordinary gains, net | $0 | 65 |
Net income | $614,000 | 6,534 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $-2,000 | 10,004 |
Cash dividends | $72,000 | 7,359 |
Sale, conversion, retirement of capital stock, net | $0 | 809 |
Net operating income | $609,920 | 6,545 |
1994-12-31 (YTD Data) | Rank | |
Total interest income | $1,905,000 | 9,979 |
Total interest expense | $467,000 | 11,243 |
Net interest income | $1,438,000 | 9,050 |
Provision for loan and lease losses | $19,000 | 7,864 |
Total noninterest income | $147,000 | 9,754 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $107,000 | 7,927 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $40,000 | 10,157 |
Total noninterest expense | $869,000 | 9,911 |
Salaries and employee benefits | $470,000 | 9,654 |
Premises and equipment expense | $81,000 | 10,622 |
Additional noninterest expense | $318,000 | 9,739 |
Pre-tax net operating income | $697,000 | 7,399 |
Securities gains (losses) | $0 | 3,600 |
Applicable income taxes | $183,000 | 7,655 |
Income before extraordinary items | $514,000 | 7,200 |
Extraordinary gains, net | $0 | 249 |
Net income | $514,000 | 7,207 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $17,000 | 6,849 |
Cash dividends | $63,000 | 7,652 |
Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
Net operating income | $514,000 | 7,236 |
1993-12-31 (YTD Data) | Rank | |
Total interest income | $1,639,000 | 10,929 |
Total interest expense | $476,000 | 11,800 |
Net interest income | $1,163,000 | 10,187 |
Provision for loan and lease losses | $8,000 | 9,904 |
Total noninterest income | $191,000 | 9,391 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $122,000 | 7,788 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $69,000 | 9,126 |
Total noninterest expense | $820,000 | 10,565 |
Salaries and employee benefits | $422,000 | 10,423 |
Premises and equipment expense | $95,000 | 10,609 |
Additional noninterest expense | $303,000 | 10,412 |
Pre-tax net operating income | $526,000 | 8,479 |
Securities gains (losses) | $3,000 | 6,505 |
Applicable income taxes | $173,000 | 8,146 |
Income before extraordinary items | $356,000 | 8,868 |
Extraordinary gains, net | $34,000 | 2,416 |
Net income | $390,000 | 8,698 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $0 | 9,922 |
Cash dividends | $0 | 9,081 |
Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
Net operating income | $353,990 | 8,641 |
1992-12-31 (YTD Data) | Rank | |
Total interest income | $1,532,000 | 11,879 |
Total interest expense | $519,000 | 12,683 |
Net interest income | $1,013,000 | 11,054 |
Provision for loan and lease losses | $0 | 11,756 |
Total noninterest income | $139,000 | 10,707 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $105,000 | 8,358 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $34,000 | 11,488 |
Total noninterest expense | $776,000 | 11,118 |
Salaries and employee benefits | $400,000 | 10,864 |
Premises and equipment expense | $88,000 | 11,176 |
Additional noninterest expense | $288,000 | 11,000 |
Pre-tax net operating income | $376,000 | 9,455 |
Securities gains (losses) | $36,000 | 4,684 |
Applicable income taxes | $158,000 | 8,431 |
Income before extraordinary items | $254,000 | 9,865 |
Extraordinary gains, net | $110,000 | 703 |
Net income | $364,000 | 8,696 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $-13,000 | 12,901 |
Cash dividends | $0 | 8,912 |
Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
Net operating income | $230,960 | 9,816 |
* 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.