Home > The Village Bank & Trust Company > Income and Expense
The Village Bank & Trust Company, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $15,626,000 | 2,091 |
| Total interest expense | $6,202,000 | 2,437 |
| Net interest income | $9,424,000 | 1,813 |
| Provision for loan and lease losses | $-123,000 | 10,336 |
| Total noninterest income | $990,000 | 3,103 |
| Gross Fiduciary activities income | $151,000 | 928 |
| Service charges on deposit accounts | $350,000 | 3,495 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $489,000 | 3,019 |
| Total noninterest expense | $7,620,000 | 1,724 |
| Salaries and employee benefits | $3,896,000 | 1,701 |
| Premises and equipment expense | $1,366,000 | 1,434 |
| Additional noninterest expense | $2,358,000 | 1,793 |
| Pre-tax net operating income | $2,917,000 | 2,444 |
| Securities gains (losses) | $83,000 | 1,400 |
| Applicable income taxes | $939,000 | 2,422 |
| Income before extraordinary items | $2,061,000 | 2,482 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,061,000 | 2,481 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,204 |
| Cash dividends | $470,000 | 3,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,003,730 | 2,466 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $14,424,000 | 2,264 |
| Total interest expense | $6,137,000 | 2,449 |
| Net interest income | $8,287,000 | 2,095 |
| Provision for loan and lease losses | $60,000 | 6,153 |
| Total noninterest income | $647,000 | 4,209 |
| Gross Fiduciary activities income | $82,000 | 1,089 |
| Service charges on deposit accounts | $343,000 | 3,675 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $222,000 | 4,710 |
| Total noninterest expense | $7,111,000 | 1,822 |
| Salaries and employee benefits | $3,599,000 | 1,815 |
| Premises and equipment expense | $1,125,000 | 1,750 |
| Additional noninterest expense | $2,387,000 | 1,778 |
| Pre-tax net operating income | $1,763,000 | 3,920 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $585,000 | 3,765 |
| Income before extraordinary items | $1,178,000 | 4,121 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,178,000 | 4,121 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 3,684 |
| Cash dividends | $640,000 | 2,950 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,178,000 | 4,060 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $12,728,000 | 2,626 |
| Total interest expense | $4,953,000 | 3,029 |
| Net interest income | $7,775,000 | 2,317 |
| Provision for loan and lease losses | $120,000 | 4,568 |
| Total noninterest income | $572,000 | 4,713 |
| Gross Fiduciary activities income | $42,000 | 1,263 |
| Service charges on deposit accounts | $332,000 | 3,928 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $198,000 | 5,190 |
| Total noninterest expense | $5,919,000 | 2,328 |
| Salaries and employee benefits | $3,064,000 | 2,182 |
| Premises and equipment expense | $845,000 | 2,329 |
| Additional noninterest expense | $2,010,000 | 2,440 |
| Pre-tax net operating income | $2,308,000 | 3,028 |
| Securities gains (losses) | $-17,000 | 10,550 |
| Applicable income taxes | $471,000 | 4,352 |
| Income before extraordinary items | $1,820,000 | 2,673 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,820,000 | 2,675 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 4,481 |
| Cash dividends | $591,000 | 3,101 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,833,430 | 2,609 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $12,292,000 | 2,716 |
| Total interest expense | $4,646,000 | 3,225 |
| Net interest income | $7,646,000 | 2,343 |
| Provision for loan and lease losses | $210,000 | 2,900 |
| Total noninterest income | $545,000 | 4,879 |
| Gross Fiduciary activities income | $12,000 | 1,457 |
| Service charges on deposit accounts | $359,000 | 3,692 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $174,000 | 5,545 |
| Total noninterest expense | $5,751,000 | 2,368 |
| Salaries and employee benefits | $2,991,000 | 2,211 |
| Premises and equipment expense | $837,000 | 2,381 |
| Additional noninterest expense | $1,923,000 | 2,481 |
| Pre-tax net operating income | $2,230,000 | 3,177 |
| Securities gains (losses) | $70,000 | 1,121 |
| Applicable income taxes | $984,000 | 2,418 |
| Income before extraordinary items | $1,316,000 | 3,639 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,316,000 | 3,636 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $450,000 | 1,474 |
| Cash dividends | $395,000 | 3,944 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,271,200 | 3,733 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,384,000 | 3,576 |
| Total interest expense | $2,469,000 | 4,706 |
| Net interest income | $5,915,000 | 3,036 |
| Provision for loan and lease losses | $48,000 | 6,241 |
| Total noninterest income | $583,000 | 4,759 |
| Gross Fiduciary activities income | $23,000 | 1,403 |
| Service charges on deposit accounts | $307,000 | 4,281 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $253,000 | 4,561 |
| Total noninterest expense | $4,829,000 | 2,860 |
| Salaries and employee benefits | $2,380,000 | 2,786 |
| Premises and equipment expense | $437,000 | 4,265 |
| Additional noninterest expense | $2,012,000 | 2,559 |
| Pre-tax net operating income | $1,621,000 | 4,125 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $793,000 | 2,786 |
| Income before extraordinary items | $828,000 | 5,226 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $828,000 | 5,234 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $185,000 | 2,617 |
| Cash dividends | $1,369,000 | 1,508 |
| Sale, conversion, retirement of capital stock, net | $11,000 | 1,079 |
| Net operating income | $828,000 | 5,283 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,939,000 | 3,840 |
| Total interest expense | $2,496,000 | 4,813 |
| Net interest income | $5,443,000 | 3,303 |
| Provision for loan and lease losses | $130,000 | 5,002 |
| Total noninterest income | $1,096,000 | 3,118 |
| Gross Fiduciary activities income | $3,000 | 1,578 |
| Service charges on deposit accounts | $365,000 | 3,741 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $728,000 | 2,529 |
| Total noninterest expense | $4,780,000 | 2,966 |
| Salaries and employee benefits | $2,340,000 | 2,823 |
| Premises and equipment expense | $667,000 | 3,013 |
| Additional noninterest expense | $1,773,000 | 3,021 |
| Pre-tax net operating income | $1,629,000 | 4,025 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $652,000 | 3,336 |
| Income before extraordinary items | $977,000 | 4,778 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $977,000 | 4,919 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 11,177 |
| Cash dividends | $449,000 | 3,411 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $977,000 | 4,535 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $8,365,000 | 4,133 |
| Total interest expense | $3,386,000 | 4,677 |
| Net interest income | $4,979,000 | 3,646 |
| Provision for loan and lease losses | $376,000 | 3,587 |
| Total noninterest income | $913,000 | 3,578 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $339,000 | 4,034 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $574,000 | 2,912 |
| Total noninterest expense | $4,379,000 | 3,239 |
| Salaries and employee benefits | $2,088,000 | 3,098 |
| Premises and equipment expense | $623,000 | 3,238 |
| Additional noninterest expense | $1,668,000 | 3,277 |
| Pre-tax net operating income | $1,137,000 | 5,138 |
| Securities gains (losses) | $254,000 | 1,699 |
| Applicable income taxes | $557,000 | 3,650 |
| Income before extraordinary items | $834,000 | 5,198 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $834,000 | 5,255 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $196,000 | 4,249 |
| Cash dividends | $320,000 | 3,843 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $671,440 | 5,748 |
* 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.