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Valley Community Bank, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$3,467,0006,993
Total interest expense$1,187,0007,943
Net interest income$2,280,0006,162
Provision for loan and lease losses$138,0004,359
Total noninterest income$253,0006,971
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$199,0005,164
Trading account gains and feesNANA
Additional Noninterest Income$54,0008,037
Total noninterest expense$1,142,0007,705
Salaries and employee benefits$627,0007,607
Premises and equipment expense$129,0008,085
Additional noninterest expense$386,0007,338
Pre-tax net operating income$1,253,0004,746
Securities gains (losses)$3,0003,720
Applicable income taxes$448,0004,134
Income before extraordinary items$808,0005,167
Extraordinary gains, net$032
Net income$808,0005,167
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$5,0007,505
Cash dividends$1,685,0001,515
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$806,0805,082
1997-12-31 (YTD Data)Rank
Total interest income$3,271,0007,427
Total interest expense$1,083,0008,454
Net interest income$2,188,0006,555
Provision for loan and lease losses$39,0007,061
Total noninterest income$253,0007,186
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$199,0005,347
Trading account gains and feesNANA
Additional Noninterest Income$54,0008,261
Total noninterest expense$991,0008,370
Salaries and employee benefits$588,0007,996
Premises and equipment expense$95,0009,079
Additional noninterest expense$308,0008,241
Pre-tax net operating income$1,411,0004,702
Securities gains (losses)$4,0002,936
Applicable income taxes$448,0004,545
Income before extraordinary items$967,0004,817
Extraordinary gains, net$044
Net income$967,0004,816
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-1,0009,408
Cash dividends$100,0006,450
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$964,2804,768
1996-12-31 (YTD Data)Rank
Total interest income$2,615,0008,544
Total interest expense$733,0009,871
Net interest income$1,882,0007,399
Provision for loan and lease losses$36,0007,135
Total noninterest income$171,0008,670
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$137,0006,712
Trading account gains and feesNANA
Additional Noninterest Income$34,0009,653
Total noninterest expense$897,0009,066
Salaries and employee benefits$533,0008,630
Premises and equipment expense$96,0009,398
Additional noninterest expense$268,0009,203
Pre-tax net operating income$1,120,0005,350
Securities gains (losses)$4,0003,123
Applicable income taxes$367,0005,162
Income before extraordinary items$757,0005,486
Extraordinary gains, net$053
Net income$757,0005,487
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-1,0009,767
Cash dividends$91,0006,870
Sale, conversion, retirement of capital stock, net$0953
Net operating income$754,3205,451
1995-12-31 (YTD Data)Rank
Total interest income$2,286,0009,274
Total interest expense$640,00010,523
Net interest income$1,646,0008,155
Provision for loan and lease losses$36,0006,768
Total noninterest income$144,0009,412
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$107,0007,617
Trading account gains and feesNANA
Additional Noninterest Income$37,0009,867
Total noninterest expense$863,0009,494
Salaries and employee benefits$494,0009,166
Premises and equipment expense$90,0009,917
Additional noninterest expense$279,0009,499
Pre-tax net operating income$891,0006,466
Securities gains (losses)$6,0002,714
Applicable income taxes$283,0006,221
Income before extraordinary items$614,0006,536
Extraordinary gains, net$065
Net income$614,0006,534
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-2,00010,004
Cash dividends$72,0007,359
Sale, conversion, retirement of capital stock, net$0809
Net operating income$609,9206,545
1994-12-31 (YTD Data)Rank
Total interest income$1,905,0009,979
Total interest expense$467,00011,243
Net interest income$1,438,0009,050
Provision for loan and lease losses$19,0007,864
Total noninterest income$147,0009,754
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$107,0007,927
Trading account gains and feesNANA
Additional Noninterest Income$40,00010,157
Total noninterest expense$869,0009,911
Salaries and employee benefits$470,0009,654
Premises and equipment expense$81,00010,622
Additional noninterest expense$318,0009,739
Pre-tax net operating income$697,0007,399
Securities gains (losses)$03,600
Applicable income taxes$183,0007,655
Income before extraordinary items$514,0007,200
Extraordinary gains, net$0249
Net income$514,0007,207
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$17,0006,849
Cash dividends$63,0007,652
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$514,0007,236
1993-12-31 (YTD Data)Rank
Total interest income$1,639,00010,929
Total interest expense$476,00011,800
Net interest income$1,163,00010,187
Provision for loan and lease losses$8,0009,904
Total noninterest income$191,0009,391
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$122,0007,788
Trading account gains and feesNANA
Additional Noninterest Income$69,0009,126
Total noninterest expense$820,00010,565
Salaries and employee benefits$422,00010,423
Premises and equipment expense$95,00010,609
Additional noninterest expense$303,00010,412
Pre-tax net operating income$526,0008,479
Securities gains (losses)$3,0006,505
Applicable income taxes$173,0008,146
Income before extraordinary items$356,0008,868
Extraordinary gains, net$34,0002,416
Net income$390,0008,698
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$09,922
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$353,9908,641
1992-12-31 (YTD Data)Rank
Total interest income$1,532,00011,879
Total interest expense$519,00012,683
Net interest income$1,013,00011,054
Provision for loan and lease losses$011,756
Total noninterest income$139,00010,707
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$105,0008,358
Trading account gains and feesNANA
Additional Noninterest Income$34,00011,488
Total noninterest expense$776,00011,118
Salaries and employee benefits$400,00010,864
Premises and equipment expense$88,00011,176
Additional noninterest expense$288,00011,000
Pre-tax net operating income$376,0009,455
Securities gains (losses)$36,0004,684
Applicable income taxes$158,0008,431
Income before extraordinary items$254,0009,865
Extraordinary gains, net$110,000703
Net income$364,0008,696
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-13,00012,901
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$230,9609,816

* 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.