Home > First Valley Bank > Income and Expense
First Valley Bank, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $33,505,000 | 983 |
| Total interest expense | $12,195,000 | 1,278 |
| Net interest income | $21,310,000 | 801 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $5,601,000 | 857 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $4,837,000 | 279 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $764,000 | 2,243 |
| Total noninterest expense | $20,753,000 | 714 |
| Salaries and employee benefits | $9,684,000 | 704 |
| Premises and equipment expense | $3,727,000 | 582 |
| Additional noninterest expense | $7,342,000 | 737 |
| Pre-tax net operating income | $6,158,000 | 1,217 |
| Securities gains (losses) | $-35,000 | 10,345 |
| Applicable income taxes | $2,171,000 | 1,162 |
| Income before extraordinary items | $3,952,000 | 1,346 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,952,000 | 1,345 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,484,000 | 298 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $3,974,750 | 1,277 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $34,147,000 | 1,005 |
| Total interest expense | $12,200,000 | 1,303 |
| Net interest income | $21,947,000 | 823 |
| Provision for loan and lease losses | $20,124,000 | 132 |
| Total noninterest income | $6,156,000 | 801 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $4,676,000 | 297 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,480,000 | 1,333 |
| Total noninterest expense | $23,403,000 | 653 |
| Salaries and employee benefits | $11,569,000 | 601 |
| Premises and equipment expense | $5,658,000 | 388 |
| Additional noninterest expense | $6,176,000 | 830 |
| Pre-tax net operating income | $-15,424,000 | 10,935 |
| Securities gains (losses) | $19,000 | 1,923 |
| Applicable income taxes | $-5,240,000 | 10,913 |
| Income before extraordinary items | $-10,165,000 | 10,911 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-10,165,000 | 10,911 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,362,000 | 459 |
| Cash dividends | $1,200,000 | 1,883 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-10,177,540 | 10,910 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $32,136,000 | 1,077 |
| Total interest expense | $11,669,000 | 1,390 |
| Net interest income | $20,467,000 | 911 |
| Provision for loan and lease losses | $1,393,000 | 802 |
| Total noninterest income | $5,663,000 | 877 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $4,368,000 | 348 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,295,000 | 1,512 |
| Total noninterest expense | $17,847,000 | 870 |
| Salaries and employee benefits | $8,319,000 | 825 |
| Premises and equipment expense | $3,811,000 | 585 |
| Additional noninterest expense | $5,717,000 | 1,019 |
| Pre-tax net operating income | $6,890,000 | 1,087 |
| Securities gains (losses) | $-3,000 | 9,684 |
| Applicable income taxes | $2,361,000 | 1,058 |
| Income before extraordinary items | $4,526,000 | 1,134 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $4,526,000 | 1,135 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,335,000 | 748 |
| Cash dividends | $7,475,000 | 522 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $4,527,980 | 1,118 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $27,284,000 | 1,262 |
| Total interest expense | $9,526,000 | 1,674 |
| Net interest income | $17,758,000 | 1,041 |
| Provision for loan and lease losses | $892,000 | 1,044 |
| Total noninterest income | $4,691,000 | 998 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $3,577,000 | 429 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,114,000 | 1,674 |
| Total noninterest expense | $15,085,000 | 1,003 |
| Salaries and employee benefits | $6,658,000 | 1,038 |
| Premises and equipment expense | $2,774,000 | 810 |
| Additional noninterest expense | $5,653,000 | 1,022 |
| Pre-tax net operating income | $6,472,000 | 1,190 |
| Securities gains (losses) | $156,000 | 769 |
| Applicable income taxes | $2,220,000 | 1,158 |
| Income before extraordinary items | $4,408,000 | 1,206 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $4,408,000 | 1,204 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $647,000 | 1,172 |
| Cash dividends | $680,000 | 2,706 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $4,303,480 | 1,206 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,716,000 | 3,864 |
| Total interest expense | $2,282,000 | 5,013 |
| Net interest income | $5,434,000 | 3,297 |
| Provision for loan and lease losses | $30,000 | 7,083 |
| Total noninterest income | $1,336,000 | 2,515 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $927,000 | 1,457 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $409,000 | 3,359 |
| Total noninterest expense | $4,492,000 | 3,064 |
| Salaries and employee benefits | $2,184,000 | 3,029 |
| Premises and equipment expense | $843,000 | 2,408 |
| Additional noninterest expense | $1,465,000 | 3,382 |
| Pre-tax net operating income | $2,248,000 | 3,110 |
| Securities gains (losses) | $19,000 | 1,821 |
| Applicable income taxes | $652,000 | 3,275 |
| Income before extraordinary items | $1,615,000 | 2,977 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,615,000 | 2,983 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-25,000 | 11,414 |
| Cash dividends | $295,000 | 4,580 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,601,510 | 3,027 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,162,000 | 4,229 |
| Total interest expense | $2,298,000 | 5,166 |
| Net interest income | $4,864,000 | 3,664 |
| Provision for loan and lease losses | $150,000 | 4,621 |
| Total noninterest income | $1,116,000 | 3,081 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $792,000 | 1,730 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $324,000 | 4,281 |
| Total noninterest expense | $4,165,000 | 3,356 |
| Salaries and employee benefits | $2,057,000 | 3,194 |
| Premises and equipment expense | $849,000 | 2,404 |
| Additional noninterest expense | $1,259,000 | 4,020 |
| Pre-tax net operating income | $1,665,000 | 3,939 |
| Securities gains (losses) | $55,000 | 3,253 |
| Applicable income taxes | $483,000 | 4,309 |
| Income before extraordinary items | $1,237,000 | 3,896 |
| Extraordinary gains, net | $-202,000 | 13,046 |
| Net income | $1,035,000 | 4,697 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $186,000 | 3,256 |
| Cash dividends | $1,140,000 | 1,575 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,197,400 | 3,818 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $8,013,000 | 4,284 |
| Total interest expense | $3,116,000 | 4,998 |
| Net interest income | $4,897,000 | 3,721 |
| Provision for loan and lease losses | $120,000 | 6,707 |
| Total noninterest income | $1,134,000 | 2,990 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $765,000 | 1,764 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $369,000 | 3,894 |
| Total noninterest expense | $3,953,000 | 3,541 |
| Salaries and employee benefits | $1,808,000 | 3,539 |
| Premises and equipment expense | $829,000 | 2,494 |
| Additional noninterest expense | $1,316,000 | 4,001 |
| Pre-tax net operating income | $1,958,000 | 3,159 |
| Securities gains (losses) | $151,000 | 2,405 |
| Applicable income taxes | $641,000 | 3,250 |
| Income before extraordinary items | $1,468,000 | 3,140 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,468,000 | 3,172 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $231,000 | 3,890 |
| Cash dividends | $350,000 | 3,631 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,362,300 | 3,123 |
* 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.