Home > United Valley Bank > Income and Expense
United Valley Bank, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,568,000 | 7,306 |
| Total interest expense | $1,250,000 | 8,239 |
| Net interest income | $2,318,000 | 6,532 |
| Provision for loan and lease losses | $400,000 | 2,077 |
| Total noninterest income | $450,000 | 5,540 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $265,000 | 4,613 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $185,000 | 5,391 |
| Total noninterest expense | $2,930,000 | 4,377 |
| Salaries and employee benefits | $1,176,000 | 5,293 |
| Premises and equipment expense | $510,000 | 3,724 |
| Additional noninterest expense | $1,244,000 | 3,673 |
| Pre-tax net operating income | $-562,000 | 11,262 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $263,000 | 6,270 |
| Income before extraordinary items | $-829,000 | 11,340 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-829,000 | 11,340 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $625,000 | 1,215 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-829,000 | 11,320 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,527,000 | 7,523 |
| Total interest expense | $1,203,000 | 8,576 |
| Net interest income | $2,324,000 | 6,632 |
| Provision for loan and lease losses | $970,000 | 966 |
| Total noninterest income | $482,000 | 5,321 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $260,000 | 4,805 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $222,000 | 4,822 |
| Total noninterest expense | $2,761,000 | 4,581 |
| Salaries and employee benefits | $1,356,000 | 4,692 |
| Premises and equipment expense | $485,000 | 3,856 |
| Additional noninterest expense | $920,000 | 4,680 |
| Pre-tax net operating income | $-925,000 | 11,866 |
| Securities gains (losses) | $-78,000 | 11,389 |
| Applicable income taxes | $15,000 | 10,835 |
| Income before extraordinary items | $-1,018,000 | 11,866 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-1,018,000 | 11,865 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,052,000 | 860 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $-940,000 | 11,853 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,762,000 | 6,987 |
| Total interest expense | $1,062,000 | 8,429 |
| Net interest income | $2,700,000 | 6,102 |
| Provision for loan and lease losses | $475,000 | 1,606 |
| Total noninterest income | $568,000 | 4,850 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $284,000 | 4,567 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $284,000 | 4,253 |
| Total noninterest expense | $2,634,000 | 4,929 |
| Salaries and employee benefits | $1,276,000 | 4,969 |
| Premises and equipment expense | $417,000 | 4,424 |
| Additional noninterest expense | $941,000 | 4,973 |
| Pre-tax net operating income | $159,000 | 11,199 |
| Securities gains (losses) | $-46,000 | 10,966 |
| Applicable income taxes | $5,000 | 11,491 |
| Income before extraordinary items | $108,000 | 11,310 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $108,000 | 11,315 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $149,000 | 2,982 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $152,160 | 10,845 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,060,000 | 8,227 |
| Total interest expense | $1,062,000 | 8,838 |
| Net interest income | $1,998,000 | 7,677 |
| Provision for loan and lease losses | $616,000 | 1,810 |
| Total noninterest income | $402,000 | 6,453 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $296,000 | 4,480 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $106,000 | 7,681 |
| Total noninterest expense | $1,913,000 | 6,583 |
| Salaries and employee benefits | $889,000 | 6,782 |
| Premises and equipment expense | $357,000 | 5,153 |
| Additional noninterest expense | $667,000 | 6,810 |
| Pre-tax net operating income | $-129,000 | 12,626 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $4,000 | 11,985 |
| Income before extraordinary items | $-133,000 | 12,691 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-133,000 | 12,709 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $535,000 | 1,695 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $994,000 | 481 |
| Net operating income | $-133,000 | 12,599 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,044,000 | 10,816 |
| Total interest expense | $804,000 | 11,310 |
| Net interest income | $1,240,000 | 10,180 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $556,000 | 5,255 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $267,000 | 4,878 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $289,000 | 4,526 |
| Total noninterest expense | $1,443,000 | 8,122 |
| Salaries and employee benefits | $681,000 | 8,134 |
| Premises and equipment expense | $264,000 | 6,542 |
| Additional noninterest expense | $498,000 | 8,485 |
| Pre-tax net operating income | $353,000 | 9,655 |
| Securities gains (losses) | $15,000 | 5,962 |
| Applicable income taxes | $37,000 | 11,601 |
| Income before extraordinary items | $331,000 | 8,919 |
| Extraordinary gains, net | $304,000 | 305 |
| Net income | $635,000 | 6,403 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 12,832 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $492,000 | 573 |
| Net operating income | $317,500 | 8,707 |
* 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.