Home > Bank of Villa Rica > Income and Expense
Bank of Villa Rica, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,056,000 | 6,920 |
| Total interest expense | $1,892,000 | 6,698 |
| Net interest income | $2,164,000 | 6,947 |
| Provision for loan and lease losses | $295,000 | 2,329 |
| Total noninterest income | $583,000 | 4,667 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $428,000 | 3,139 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $155,000 | 5,887 |
| Total noninterest expense | $2,521,000 | 4,963 |
| Salaries and employee benefits | $1,056,000 | 5,783 |
| Premises and equipment expense | $396,000 | 4,583 |
| Additional noninterest expense | $1,069,000 | 4,129 |
| Pre-tax net operating income | $-69,000 | 11,576 |
| Securities gains (losses) | $-38,000 | 11,009 |
| Applicable income taxes | $-49,000 | 11,637 |
| Income before extraordinary items | $-58,000 | 11,573 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-58,000 | 11,572 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $261,000 | 2,124 |
| Cash dividends | $63,000 | 7,518 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $-33,680 | 11,533 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,610,000 | 7,173 |
| Total interest expense | $1,592,000 | 6,620 |
| Net interest income | $2,018,000 | 7,525 |
| Provision for loan and lease losses | $19,000 | 7,864 |
| Total noninterest income | $570,000 | 4,839 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $415,000 | 3,276 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $155,000 | 6,118 |
| Total noninterest expense | $2,535,000 | 5,107 |
| Salaries and employee benefits | $993,000 | 6,122 |
| Premises and equipment expense | $363,000 | 4,958 |
| Additional noninterest expense | $1,179,000 | 4,112 |
| Pre-tax net operating income | $34,000 | 11,970 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $9,000 | 11,400 |
| Income before extraordinary items | $25,000 | 11,944 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $25,000 | 11,944 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 3,482 |
| Cash dividends | $9,000 | 8,806 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $25,000 | 11,981 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,969,000 | 6,913 |
| Total interest expense | $1,980,000 | 5,883 |
| Net interest income | $1,989,000 | 7,709 |
| Provision for loan and lease losses | $205,000 | 3,850 |
| Total noninterest income | $599,000 | 4,967 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $393,000 | 3,498 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $206,000 | 5,576 |
| Total noninterest expense | $2,233,000 | 5,791 |
| Salaries and employee benefits | $1,077,000 | 5,752 |
| Premises and equipment expense | $419,000 | 4,536 |
| Additional noninterest expense | $737,000 | 6,316 |
| Pre-tax net operating income | $150,000 | 11,471 |
| Securities gains (losses) | $43,000 | 3,630 |
| Applicable income taxes | $-78,000 | 12,927 |
| Income before extraordinary items | $271,000 | 9,807 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $271,000 | 9,944 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $198,000 | 3,162 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $228,000 | 10,053 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,630,000 | 6,743 |
| Total interest expense | $2,456,000 | 6,070 |
| Net interest income | $2,174,000 | 7,305 |
| Provision for loan and lease losses | $432,000 | 3,298 |
| Total noninterest income | $508,000 | 5,579 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $406,000 | 3,429 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $102,000 | 7,992 |
| Total noninterest expense | $2,317,000 | 5,652 |
| Salaries and employee benefits | $942,000 | 6,382 |
| Premises and equipment expense | $371,000 | 5,106 |
| Additional noninterest expense | $1,004,000 | 5,035 |
| Pre-tax net operating income | $-67,000 | 12,888 |
| Securities gains (losses) | $243,000 | 1,759 |
| Applicable income taxes | $91,000 | 10,135 |
| Income before extraordinary items | $85,000 | 12,150 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $85,000 | 12,197 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $171,000 | 4,574 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-70,520 | 12,858 |
* 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.