Home > One Valley Bank - Shenandoah > Income and Expense
One Valley Bank - Shenandoah, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $17,113,000 | 1,904 |
| Total interest expense | $7,974,000 | 1,877 |
| Net interest income | $9,139,000 | 1,930 |
| Provision for loan and lease losses | $232,000 | 3,249 |
| Total noninterest income | $2,132,000 | 1,771 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $789,000 | 1,680 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,343,000 | 1,509 |
| Total noninterest expense | $5,730,000 | 2,368 |
| Salaries and employee benefits | $2,786,000 | 2,519 |
| Premises and equipment expense | $767,000 | 2,647 |
| Additional noninterest expense | $2,177,000 | 2,000 |
| Pre-tax net operating income | $5,309,000 | 1,431 |
| Securities gains (losses) | $5,000 | 2,145 |
| Applicable income taxes | $1,629,000 | 1,486 |
| Income before extraordinary items | $3,685,000 | 1,457 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,685,000 | 1,458 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $176,000 | 2,589 |
| Cash dividends | $3,135,000 | 923 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $3,681,550 | 1,437 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $15,852,000 | 2,059 |
| Total interest expense | $7,294,000 | 2,084 |
| Net interest income | $8,558,000 | 2,000 |
| Provision for loan and lease losses | $351,000 | 2,303 |
| Total noninterest income | $1,855,000 | 1,949 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $788,000 | 1,608 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,067,000 | 1,771 |
| Total noninterest expense | $6,587,000 | 1,985 |
| Salaries and employee benefits | $3,750,000 | 1,769 |
| Premises and equipment expense | $786,000 | 2,496 |
| Additional noninterest expense | $2,051,000 | 2,076 |
| Pre-tax net operating income | $3,475,000 | 2,080 |
| Securities gains (losses) | $9,000 | 3,034 |
| Applicable income taxes | $1,117,000 | 2,112 |
| Income before extraordinary items | $2,367,000 | 2,207 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,367,000 | 2,206 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,667 |
| Cash dividends | $1,591,000 | 1,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,360,880 | 2,138 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $14,913,000 | 2,196 |
| Total interest expense | $6,987,000 | 2,155 |
| Net interest income | $7,926,000 | 2,208 |
| Provision for loan and lease losses | $234,000 | 3,125 |
| Total noninterest income | $1,288,000 | 2,476 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $705,000 | 1,848 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $583,000 | 2,536 |
| Total noninterest expense | $4,342,000 | 2,927 |
| Salaries and employee benefits | $2,408,000 | 2,747 |
| Premises and equipment expense | $672,000 | 2,843 |
| Additional noninterest expense | $1,262,000 | 3,205 |
| Pre-tax net operating income | $4,638,000 | 1,663 |
| Securities gains (losses) | $8,000 | 2,485 |
| Applicable income taxes | $1,362,000 | 1,861 |
| Income before extraordinary items | $3,284,000 | 1,646 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,284,000 | 1,647 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 4,315 |
| Cash dividends | $833,000 | 2,496 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $3,278,320 | 1,608 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $13,971,000 | 2,388 |
| Total interest expense | $6,501,000 | 2,375 |
| Net interest income | $7,470,000 | 2,408 |
| Provision for loan and lease losses | $204,000 | 3,372 |
| Total noninterest income | $1,109,000 | 2,861 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $612,000 | 2,209 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $497,000 | 2,934 |
| Total noninterest expense | $3,996,000 | 3,351 |
| Salaries and employee benefits | $2,209,000 | 3,029 |
| Premises and equipment expense | $658,000 | 2,946 |
| Additional noninterest expense | $1,129,000 | 3,976 |
| Pre-tax net operating income | $4,379,000 | 1,652 |
| Securities gains (losses) | $-1,000 | 9,274 |
| Applicable income taxes | $1,171,000 | 2,041 |
| Income before extraordinary items | $3,207,000 | 1,546 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,207,000 | 1,548 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 4,891 |
| Cash dividends | $702,000 | 2,728 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $3,207,730 | 1,516 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $12,380,000 | 2,699 |
| Total interest expense | $5,998,000 | 2,562 |
| Net interest income | $6,382,000 | 2,800 |
| Provision for loan and lease losses | $146,000 | 3,710 |
| Total noninterest income | $927,000 | 3,289 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $609,000 | 2,232 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $318,000 | 3,870 |
| Total noninterest expense | $3,803,000 | 3,478 |
| Salaries and employee benefits | $1,997,000 | 3,312 |
| Premises and equipment expense | $523,000 | 3,619 |
| Additional noninterest expense | $1,283,000 | 3,542 |
| Pre-tax net operating income | $3,360,000 | 2,188 |
| Securities gains (losses) | $20,000 | 1,915 |
| Applicable income taxes | $927,000 | 2,536 |
| Income before extraordinary items | $2,453,000 | 2,053 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,453,000 | 2,051 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 4,422 |
| Cash dividends | $436,000 | 3,667 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,438,400 | 2,036 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $10,566,000 | 2,871 |
| Total interest expense | $4,681,000 | 2,615 |
| Net interest income | $5,885,000 | 3,047 |
| Provision for loan and lease losses | $225,000 | 2,816 |
| Total noninterest income | $896,000 | 3,372 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $582,000 | 2,334 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $314,000 | 3,958 |
| Total noninterest expense | $3,571,000 | 3,777 |
| Salaries and employee benefits | $1,880,000 | 3,473 |
| Premises and equipment expense | $509,000 | 3,745 |
| Additional noninterest expense | $1,182,000 | 4,104 |
| Pre-tax net operating income | $2,985,000 | 2,388 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $792,000 | 2,792 |
| Income before extraordinary items | $2,193,000 | 2,231 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,193,000 | 2,229 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 5,574 |
| Cash dividends | $309,000 | 4,372 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,193,000 | 2,250 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $9,380,000 | 3,296 |
| Total interest expense | $4,171,000 | 3,048 |
| Net interest income | $5,209,000 | 3,435 |
| Provision for loan and lease losses | $220,000 | 3,693 |
| Total noninterest income | $848,000 | 3,806 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $518,000 | 2,688 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $330,000 | 4,236 |
| Total noninterest expense | $3,191,000 | 4,273 |
| Salaries and employee benefits | $1,675,000 | 3,868 |
| Premises and equipment expense | $499,000 | 3,867 |
| Additional noninterest expense | $1,017,000 | 4,856 |
| Pre-tax net operating income | $2,646,000 | 2,575 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $688,000 | 3,170 |
| Income before extraordinary items | $1,958,000 | 2,580 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,958,000 | 2,669 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 6,216 |
| Cash dividends | $216,000 | 5,235 |
| Sale, conversion, retirement of capital stock, net | $544,000 | 578 |
| Net operating income | $1,958,000 | 2,430 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $8,797,000 | 3,942 |
| Total interest expense | $4,250,000 | 3,853 |
| Net interest income | $4,547,000 | 3,967 |
| Provision for loan and lease losses | $250,000 | 4,577 |
| Total noninterest income | $636,000 | 4,754 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $502,000 | 2,772 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $134,000 | 7,060 |
| Total noninterest expense | $2,774,000 | 4,862 |
| Salaries and employee benefits | $1,387,000 | 4,535 |
| Premises and equipment expense | $405,000 | 4,746 |
| Additional noninterest expense | $982,000 | 5,118 |
| Pre-tax net operating income | $2,159,000 | 2,881 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $580,000 | 3,529 |
| Income before extraordinary items | $1,579,000 | 2,920 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,579,000 | 2,955 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $139,000 | 5,081 |
| Cash dividends | $171,000 | 5,476 |
| Sale, conversion, retirement of capital stock, net | $1,247,000 | 383 |
| Net operating income | $1,579,000 | 2,696 |
* 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.