Home > One Valley Bank of Clarksburg > Income and Expense
One Valley Bank of Clarksburg, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $20,544,000 | 1,609 |
| Total interest expense | $10,547,000 | 1,475 |
| Net interest income | $9,997,000 | 1,741 |
| Provision for loan and lease losses | $379,000 | 2,184 |
| Total noninterest income | $1,944,000 | 1,807 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,044,000 | 1,215 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $900,000 | 1,861 |
| Total noninterest expense | $6,773,000 | 1,909 |
| Salaries and employee benefits | $2,942,000 | 2,253 |
| Premises and equipment expense | $1,128,000 | 1,747 |
| Additional noninterest expense | $2,703,000 | 1,589 |
| Pre-tax net operating income | $4,789,000 | 1,617 |
| Securities gains (losses) | $46,000 | 1,392 |
| Applicable income taxes | $1,652,000 | 1,566 |
| Income before extraordinary items | $3,183,000 | 1,685 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,183,000 | 1,686 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 3,357 |
| Cash dividends | $3,000,000 | 929 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $3,152,640 | 1,658 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $19,641,000 | 1,719 |
| Total interest expense | $9,674,000 | 1,643 |
| Net interest income | $9,967,000 | 1,776 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $1,459,000 | 2,345 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $1,040,000 | 1,285 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $419,000 | 3,307 |
| Total noninterest expense | $6,440,000 | 2,139 |
| Salaries and employee benefits | $2,999,000 | 2,222 |
| Premises and equipment expense | $956,000 | 2,097 |
| Additional noninterest expense | $2,485,000 | 2,018 |
| Pre-tax net operating income | $4,986,000 | 1,440 |
| Securities gains (losses) | $-181,000 | 11,294 |
| Applicable income taxes | $1,684,000 | 1,436 |
| Income before extraordinary items | $3,121,000 | 1,595 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,121,000 | 1,596 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $170,000 | 2,947 |
| Cash dividends | $3,160,000 | 919 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $3,238,650 | 1,501 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $18,846,000 | 1,801 |
| Total interest expense | $9,152,000 | 1,732 |
| Net interest income | $9,694,000 | 1,839 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $1,417,000 | 2,385 |
| Gross Fiduciary activities income | $4,000 | 1,531 |
| Service charges on deposit accounts | $1,000,000 | 1,360 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $413,000 | 3,248 |
| Total noninterest expense | $6,491,000 | 2,122 |
| Salaries and employee benefits | $3,174,000 | 2,097 |
| Premises and equipment expense | $928,000 | 2,165 |
| Additional noninterest expense | $2,389,000 | 2,080 |
| Pre-tax net operating income | $4,620,000 | 1,605 |
| Securities gains (losses) | $-2,000 | 9,253 |
| Applicable income taxes | $1,652,000 | 1,512 |
| Income before extraordinary items | $2,966,000 | 1,705 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,966,000 | 1,704 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,779 |
| Cash dividends | $1,000,000 | 2,009 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,967,280 | 1,682 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $15,434,000 | 2,002 |
| Total interest expense | $6,317,000 | 1,976 |
| Net interest income | $9,117,000 | 1,987 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $1,052,000 | 3,000 |
| Gross Fiduciary activities income | $34,000 | 1,368 |
| Service charges on deposit accounts | $643,000 | 2,101 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $375,000 | 3,547 |
| Total noninterest expense | $5,724,000 | 2,455 |
| Salaries and employee benefits | $2,721,000 | 2,458 |
| Premises and equipment expense | $820,000 | 2,479 |
| Additional noninterest expense | $2,183,000 | 2,403 |
| Pre-tax net operating income | $4,445,000 | 1,611 |
| Securities gains (losses) | $22,000 | 1,687 |
| Applicable income taxes | $1,503,000 | 1,554 |
| Income before extraordinary items | $2,964,000 | 1,648 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,964,000 | 1,647 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-56,000 | 11,945 |
| Cash dividends | $665,000 | 2,618 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,949,480 | 1,664 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $13,888,000 | 2,239 |
| Total interest expense | $5,788,000 | 2,245 |
| Net interest income | $8,100,000 | 2,214 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $821,000 | 3,910 |
| Gross Fiduciary activities income | $1,000 | 1,605 |
| Service charges on deposit accounts | $416,000 | 3,326 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $404,000 | 3,725 |
| Total noninterest expense | $5,436,000 | 2,635 |
| Salaries and employee benefits | $2,417,000 | 2,743 |
| Premises and equipment expense | $714,000 | 2,829 |
| Additional noninterest expense | $2,305,000 | 2,412 |
| Pre-tax net operating income | $3,485,000 | 1,959 |
| Securities gains (losses) | $67,000 | 3,024 |
| Applicable income taxes | $1,191,000 | 1,942 |
| Income before extraordinary items | $2,361,000 | 2,118 |
| Extraordinary gains, net | $124,000 | 1,400 |
| Net income | $2,485,000 | 2,096 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $636,000 | 1,535 |
| Cash dividends | $1,294,000 | 1,441 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,316,780 | 2,031 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $14,268,000 | 2,458 |
| Total interest expense | $6,644,000 | 2,544 |
| Net interest income | $7,624,000 | 2,375 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $715,000 | 4,337 |
| Gross Fiduciary activities income | $4,000 | 1,602 |
| Service charges on deposit accounts | $382,000 | 3,634 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $329,000 | 4,173 |
| Total noninterest expense | $5,058,000 | 2,834 |
| Salaries and employee benefits | $2,132,000 | 3,028 |
| Premises and equipment expense | $874,000 | 2,358 |
| Additional noninterest expense | $2,052,000 | 2,740 |
| Pre-tax net operating income | $3,281,000 | 1,895 |
| Securities gains (losses) | $2,000 | 7,695 |
| Applicable income taxes | $1,131,000 | 1,873 |
| Income before extraordinary items | $2,152,000 | 2,139 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,152,000 | 2,166 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 7,883 |
| Cash dividends | $1,169,000 | 1,364 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,150,680 | 1,969 |
* 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.