Home > The State Bank of La Vernia > Income and Expense
The State Bank of La Vernia, Income and Expense
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,925,000 | 6,801 |
| Total interest expense | $1,436,000 | 7,086 |
| Net interest income | $2,489,000 | 6,506 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $625,000 | 4,521 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $517,000 | 2,639 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $108,000 | 7,272 |
| Total noninterest expense | $1,974,000 | 6,270 |
| Salaries and employee benefits | $1,187,000 | 5,289 |
| Premises and equipment expense | $161,000 | 8,273 |
| Additional noninterest expense | $626,000 | 6,842 |
| Pre-tax net operating income | $1,140,000 | 5,428 |
| Securities gains (losses) | $-645,000 | 12,311 |
| Applicable income taxes | $125,000 | 8,819 |
| Income before extraordinary items | $370,000 | 8,459 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $370,000 | 8,462 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 3,406 |
| Cash dividends | $60,000 | 7,692 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $853,750 | 5,148 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,628,000 | 7,364 |
| Total interest expense | $1,000,000 | 9,112 |
| Net interest income | $2,628,000 | 6,302 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $693,000 | 4,474 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $575,000 | 2,393 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $118,000 | 7,354 |
| Total noninterest expense | $1,883,000 | 6,667 |
| Salaries and employee benefits | $1,122,000 | 5,548 |
| Premises and equipment expense | $166,000 | 8,480 |
| Additional noninterest expense | $595,000 | 7,388 |
| Pre-tax net operating income | $1,438,000 | 4,486 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $438,000 | 4,683 |
| Income before extraordinary items | $1,000,000 | 4,709 |
| Extraordinary gains, net | $137,000 | 1,316 |
| Net income | $1,137,000 | 4,333 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 12,131 |
| Cash dividends | $180,000 | 5,679 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,000,000 | 4,463 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,013,000 | 7,488 |
| Total interest expense | $1,274,000 | 9,343 |
| Net interest income | $2,739,000 | 6,142 |
| Provision for loan and lease losses | $380,000 | 3,569 |
| Total noninterest income | $676,000 | 4,530 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $574,000 | 2,403 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $102,000 | 7,992 |
| Total noninterest expense | $1,738,000 | 7,156 |
| Salaries and employee benefits | $1,036,000 | 5,839 |
| Premises and equipment expense | $186,000 | 8,166 |
| Additional noninterest expense | $516,000 | 8,297 |
| Pre-tax net operating income | $1,297,000 | 4,614 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $363,000 | 5,177 |
| Income before extraordinary items | $934,000 | 4,787 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $934,000 | 4,833 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $294,000 | 3,374 |
| Cash dividends | $120,000 | 6,190 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $934,000 | 4,467 |
* 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.