Home > Yampa Valley National Bank > Income and Expense

Yampa Valley National Bank, Income and Expense

1998-12-31 (YTD Data)		Rank
Total interest income	$3,223,000	7,257
Total interest expense	$1,316,000	7,628
Net interest income	$1,907,000	6,839
Provision for loan and lease losses	$224,000	3,289
Total noninterest income	$213,000	7,426
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$172,000	5,561
Trading account gains and fees	NA	NA
Additional Noninterest Income	$41,000	8,487
Total noninterest expense	$1,251,000	7,402
Salaries and employee benefits	$721,000	7,071
Premises and equipment expense	$221,000	6,412
Additional noninterest expense	$309,000	8,035
Pre-tax net operating income	$645,000	6,704
Securities gains (losses)	$0	4,449
Applicable income taxes	$209,000	6,091
Income before extraordinary items	$436,000	7,001
Extraordinary gains, net	$0	32
Net income	$436,000	6,999
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$33,000	5,633
Cash dividends	$80,000	6,486
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$436,000	6,905
1997-12-31 (YTD Data)		Rank
Total interest income	$3,057,000	7,690
Total interest expense	$1,320,000	7,804
Net interest income	$1,737,000	7,464
Provision for loan and lease losses	$164,000	3,946
Total noninterest income	$199,000	7,854
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$159,000	6,020
Trading account gains and fees	NA	NA
Additional Noninterest Income	$40,000	8,870
Total noninterest expense	$1,194,000	7,701
Salaries and employee benefits	$701,000	7,308
Premises and equipment expense	$205,000	6,758
Additional noninterest expense	$288,000	8,444
Pre-tax net operating income	$578,000	7,522
Securities gains (losses)	$0	3,944
Applicable income taxes	$178,000	7,207
Income before extraordinary items	$400,000	7,636
Extraordinary gains, net	$0	44
Net income	$400,000	7,639
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$146,000	3,076
Cash dividends	$70,000	6,919
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$400,000	7,580
1996-12-31 (YTD Data)		Rank
Total interest income	$2,727,000	8,379
Total interest expense	$1,201,000	8,371
Net interest income	$1,526,000	8,205
Provision for loan and lease losses	$23,000	7,847
Total noninterest income	$184,000	8,471
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$153,000	6,416
Trading account gains and fees	NA	NA
Additional Noninterest Income	$31,000	9,793
Total noninterest expense	$1,154,000	8,139
Salaries and employee benefits	$664,000	7,747
Premises and equipment expense	$193,000	7,149
Additional noninterest expense	$297,000	8,920
Pre-tax net operating income	$531,000	7,769
Securities gains (losses)	$1,000	3,760
Applicable income taxes	$157,000	7,776
Income before extraordinary items	$375,000	7,821
Extraordinary gains, net	$0	53
Net income	$375,000	7,819
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,000	6,621
Cash dividends	$60,000	7,342
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$374,300	7,771
1995-12-31 (YTD Data)		Rank
Total interest income	$2,335,000	9,208
Total interest expense	$961,000	9,390
Net interest income	$1,374,000	8,861
Provision for loan and lease losses	$10,000	8,319
Total noninterest income	$155,000	9,222
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$131,000	7,064
Trading account gains and fees	NA	NA
Additional Noninterest Income	$24,000	10,650
Total noninterest expense	$1,013,000	8,895
Salaries and employee benefits	$573,000	8,541
Premises and equipment expense	$181,000	7,579
Additional noninterest expense	$259,000	9,735
Pre-tax net operating income	$506,000	8,401
Securities gains (losses)	$0	3,831
Applicable income taxes	$154,000	8,195
Income before extraordinary items	$352,000	8,462
Extraordinary gains, net	$0	65
Net income	$352,000	8,463
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-12,000	10,757
Cash dividends	$60,000	7,552
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$352,000	8,438
1994-12-31 (YTD Data)		Rank
Total interest income	$2,163,000	9,496
Total interest expense	$792,000	9,643
Net interest income	$1,371,000	9,242
Provision for loan and lease losses	$42,000	6,508
Total noninterest income	$174,000	9,218
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$141,000	7,101
Trading account gains and fees	NA	NA
Additional Noninterest Income	$33,000	10,596
Total noninterest expense	$926,000	9,652
Salaries and employee benefits	$521,000	9,197
Premises and equipment expense	$114,000	9,573
Additional noninterest expense	$291,000	10,061
Pre-tax net operating income	$577,000	8,142
Securities gains (losses)	$0	3,600
Applicable income taxes	$182,000	7,671
Income before extraordinary items	$395,000	8,235
Extraordinary gains, net	$0	249
Net income	$395,000	8,237
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$21,000	6,562
Cash dividends	$60,000	7,692
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$395,000	8,281
1993-12-31 (YTD Data)		Rank
Total interest income	$1,973,000	10,239
Total interest expense	$724,000	10,445
Net interest income	$1,249,000	9,903
Provision for loan and lease losses	$37,000	8,073
Total noninterest income	$182,000	9,559
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$148,000	7,140
Trading account gains and fees	NA	NA
Additional Noninterest Income	$34,000	11,040
Total noninterest expense	$970,000	9,870
Salaries and employee benefits	$476,000	9,889
Premises and equipment expense	$122,000	9,724
Additional noninterest expense	$372,000	9,572
Pre-tax net operating income	$424,000	9,224
Securities gains (losses)	$0	7,477
Applicable income taxes	$129,000	9,109
Income before extraordinary items	$295,000	9,542
Extraordinary gains, net	$0	3,149
Net income	$295,000	9,695
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$74,000	5,209
Cash dividends	$60,000	7,697
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$295,000	9,274
1992-12-31 (YTD Data)		Rank
Total interest income	$1,918,000	11,058
Total interest expense	$802,000	11,319
Net interest income	$1,116,000	10,643
Provision for loan and lease losses	$66,000	8,365
Total noninterest income	$157,000	10,353
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$129,000	7,713
Trading account gains and fees	NA	NA
Additional Noninterest Income	$28,000	11,929
Total noninterest expense	$948,000	10,215
Salaries and employee benefits	$429,000	10,530
Premises and equipment expense	$113,000	10,290
Additional noninterest expense	$406,000	9,490
Pre-tax net operating income	$259,000	10,523
Securities gains (losses)	$0	8,369
Applicable income taxes	$58,000	11,037
Income before extraordinary items	$201,000	10,590
Extraordinary gains, net	$0	1,422
Net income	$201,000	10,720
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$33,000	8,345
Cash dividends	$40,000	7,952
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$201,000	10,247

* 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.