Home > The Village Bank of Florida > Income and Expense
The Village Bank of Florida, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $15,680,000 | 2,086 |
| Total interest expense | $7,767,000 | 1,967 |
| Net interest income | $7,913,000 | 2,155 |
| Provision for loan and lease losses | $32,000 | 7,261 |
| Total noninterest income | $1,317,000 | 2,497 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $852,000 | 1,479 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $465,000 | 3,113 |
| Total noninterest expense | $6,739,000 | 1,940 |
| Salaries and employee benefits | $2,997,000 | 2,248 |
| Premises and equipment expense | $1,298,000 | 1,512 |
| Additional noninterest expense | $2,444,000 | 1,745 |
| Pre-tax net operating income | $2,459,000 | 2,827 |
| Securities gains (losses) | $9,000 | 3,034 |
| Applicable income taxes | $1,215,000 | 1,973 |
| Income before extraordinary items | $1,253,000 | 3,787 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,253,000 | 3,786 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,546 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,247,240 | 3,722 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $13,959,000 | 2,341 |
| Total interest expense | $7,054,000 | 2,134 |
| Net interest income | $6,905,000 | 2,516 |
| Provision for loan and lease losses | $75,000 | 5,767 |
| Total noninterest income | $1,199,000 | 2,635 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $972,000 | 1,326 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $227,000 | 4,653 |
| Total noninterest expense | $4,851,000 | 2,645 |
| Salaries and employee benefits | $2,503,000 | 2,640 |
| Premises and equipment expense | $721,000 | 2,665 |
| Additional noninterest expense | $1,627,000 | 2,522 |
| Pre-tax net operating income | $3,178,000 | 2,363 |
| Securities gains (losses) | $40,000 | 1,476 |
| Applicable income taxes | $1,184,000 | 2,111 |
| Income before extraordinary items | $2,034,000 | 2,548 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,034,000 | 2,547 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-25,000 | 10,298 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,008,400 | 2,528 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $10,460,000 | 3,147 |
| Total interest expense | $5,070,000 | 2,966 |
| Net interest income | $5,390,000 | 3,287 |
| Provision for loan and lease losses | $151,000 | 4,042 |
| Total noninterest income | $1,256,000 | 2,598 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $902,000 | 1,489 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $354,000 | 3,670 |
| Total noninterest expense | $4,330,000 | 3,118 |
| Salaries and employee benefits | $2,301,000 | 2,906 |
| Premises and equipment expense | $645,000 | 2,993 |
| Additional noninterest expense | $1,384,000 | 3,343 |
| Pre-tax net operating income | $2,165,000 | 3,200 |
| Securities gains (losses) | $30,000 | 1,690 |
| Applicable income taxes | $835,000 | 2,739 |
| Income before extraordinary items | $1,360,000 | 3,495 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,360,000 | 3,494 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 5,266 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,340,800 | 3,485 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,754,000 | 4,128 |
| Total interest expense | $3,415,000 | 4,246 |
| Net interest income | $4,339,000 | 4,035 |
| Provision for loan and lease losses | $73,000 | 5,323 |
| Total noninterest income | $1,077,000 | 2,938 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $823,000 | 1,643 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $254,000 | 4,434 |
| Total noninterest expense | $3,753,000 | 3,517 |
| Salaries and employee benefits | $1,992,000 | 3,318 |
| Premises and equipment expense | $530,000 | 3,577 |
| Additional noninterest expense | $1,231,000 | 3,665 |
| Pre-tax net operating income | $1,590,000 | 4,248 |
| Securities gains (losses) | $28,000 | 1,681 |
| Applicable income taxes | $556,000 | 3,864 |
| Income before extraordinary items | $1,062,000 | 4,367 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,062,000 | 4,364 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 4,422 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,043,520 | 4,423 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,855,000 | 4,977 |
| Total interest expense | $2,386,000 | 4,834 |
| Net interest income | $3,469,000 | 4,981 |
| Provision for loan and lease losses | $90,000 | 4,765 |
| Total noninterest income | $969,000 | 3,184 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $700,000 | 1,928 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $269,000 | 4,397 |
| Total noninterest expense | $3,234,000 | 4,133 |
| Salaries and employee benefits | $1,453,000 | 4,396 |
| Premises and equipment expense | $524,000 | 3,656 |
| Additional noninterest expense | $1,257,000 | 3,893 |
| Pre-tax net operating income | $1,114,000 | 5,524 |
| Securities gains (losses) | $-5,000 | 9,408 |
| Applicable income taxes | $451,000 | 4,376 |
| Income before extraordinary items | $658,000 | 6,167 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $658,000 | 6,187 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 4,750 |
| Cash dividends | $77,000 | 7,386 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $661,200 | 6,211 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,339,000 | 5,467 |
| Total interest expense | $2,437,000 | 4,938 |
| Net interest income | $2,902,000 | 5,801 |
| Provision for loan and lease losses | $6,000 | 10,012 |
| Total noninterest income | $805,000 | 3,970 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $573,000 | 2,404 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $232,000 | 5,222 |
| Total noninterest expense | $2,989,000 | 4,525 |
| Salaries and employee benefits | $1,324,000 | 4,801 |
| Premises and equipment expense | $420,000 | 4,523 |
| Additional noninterest expense | $1,245,000 | 4,063 |
| Pre-tax net operating income | $712,000 | 7,297 |
| Securities gains (losses) | $9,000 | 5,582 |
| Applicable income taxes | $217,000 | 7,313 |
| Income before extraordinary items | $504,000 | 7,515 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $504,000 | 7,704 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 5,430 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $497,700 | 7,326 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,548,000 | 5,860 |
| Total interest expense | $2,848,000 | 5,389 |
| Net interest income | $2,700,000 | 6,211 |
| Provision for loan and lease losses | $184,000 | 5,448 |
| Total noninterest income | $604,000 | 4,933 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $449,000 | 3,124 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $155,000 | 6,528 |
| Total noninterest expense | $2,878,000 | 4,700 |
| Salaries and employee benefits | $1,088,000 | 5,631 |
| Premises and equipment expense | $505,000 | 3,931 |
| Additional noninterest expense | $1,285,000 | 4,081 |
| Pre-tax net operating income | $242,000 | 10,686 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $36,000 | 11,628 |
| Income before extraordinary items | $206,000 | 10,515 |
| Extraordinary gains, net | $36,000 | 1,087 |
| Net income | $242,000 | 10,175 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $453,000 | 2,631 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $206,000 | 10,170 |
* 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.