Home > United Valley Bank > Income and Expense
United Valley Bank, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $10,532,000 | 3,116 |
| Total interest expense | $5,035,000 | 2,978 |
| Net interest income | $5,497,000 | 3,221 |
| Provision for loan and lease losses | $2,041,000 | 607 |
| Total noninterest income | $280,000 | 7,194 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $170,000 | 6,126 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $110,000 | 6,864 |
| Total noninterest expense | $5,424,000 | 2,519 |
| Salaries and employee benefits | $2,711,000 | 2,461 |
| Premises and equipment expense | $724,000 | 2,696 |
| Additional noninterest expense | $1,989,000 | 2,473 |
| Pre-tax net operating income | $-1,688,000 | 11,391 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $-533,000 | 11,359 |
| Income before extraordinary items | $-1,155,000 | 11,377 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-1,155,000 | 11,377 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $125,000 | 3,514 |
| Cash dividends | $132,000 | 6,255 |
| Sale, conversion, retirement of capital stock, net | $582,000 | 444 |
| Net operating income | $-1,155,000 | 11,360 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $10,210,000 | 3,226 |
| Total interest expense | $4,820,000 | 3,117 |
| Net interest income | $5,390,000 | 3,294 |
| Provision for loan and lease losses | $851,000 | 1,080 |
| Total noninterest income | $456,000 | 5,505 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $114,000 | 7,451 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $342,000 | 3,668 |
| Total noninterest expense | $3,759,000 | 3,509 |
| Salaries and employee benefits | $1,976,000 | 3,346 |
| Premises and equipment expense | $499,000 | 3,763 |
| Additional noninterest expense | $1,284,000 | 3,535 |
| Pre-tax net operating income | $1,236,000 | 5,153 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $418,000 | 4,795 |
| Income before extraordinary items | $818,000 | 5,358 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $818,000 | 5,355 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,152,000 | 801 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $103,000 | 557 |
| Net operating income | $818,000 | 5,333 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,910,000 | 3,781 |
| Total interest expense | $3,172,000 | 3,763 |
| Net interest income | $4,738,000 | 3,741 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $430,000 | 5,855 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $91,000 | 8,334 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $339,000 | 3,794 |
| Total noninterest expense | $3,572,000 | 3,776 |
| Salaries and employee benefits | $1,734,000 | 3,762 |
| Premises and equipment expense | $415,000 | 4,437 |
| Additional noninterest expense | $1,423,000 | 3,480 |
| Pre-tax net operating income | $1,596,000 | 4,186 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $512,000 | 3,986 |
| Income before extraordinary items | $1,084,000 | 4,226 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,084,000 | 4,227 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $305,000 | 1,883 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,084,000 | 4,271 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,672,000 | 4,512 |
| Total interest expense | $2,661,000 | 4,561 |
| Net interest income | $4,011,000 | 4,386 |
| Provision for loan and lease losses | $685,000 | 1,691 |
| Total noninterest income | $356,000 | 6,948 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $76,000 | 9,141 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $280,000 | 4,660 |
| Total noninterest expense | $2,918,000 | 4,628 |
| Salaries and employee benefits | $1,361,000 | 4,686 |
| Premises and equipment expense | $380,000 | 4,919 |
| Additional noninterest expense | $1,177,000 | 4,263 |
| Pre-tax net operating income | $764,000 | 7,008 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $287,000 | 6,245 |
| Income before extraordinary items | $477,000 | 7,721 |
| Extraordinary gains, net | $529,000 | 439 |
| Net income | $1,006,000 | 4,815 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $475,000 | 1,815 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $477,000 | 7,474 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,344,000 | 5,238 |
| Total interest expense | $2,786,000 | 5,497 |
| Net interest income | $3,558,000 | 4,935 |
| Provision for loan and lease losses | $533,000 | 2,865 |
| Total noninterest income | $166,000 | 10,133 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $21,000 | 11,340 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $145,000 | 6,767 |
| Total noninterest expense | $2,736,000 | 4,919 |
| Salaries and employee benefits | $1,192,000 | 5,201 |
| Premises and equipment expense | $345,000 | 5,424 |
| Additional noninterest expense | $1,199,000 | 4,337 |
| Pre-tax net operating income | $455,000 | 8,758 |
| Securities gains (losses) | $173,000 | 2,228 |
| Applicable income taxes | $13,000 | 12,284 |
| Income before extraordinary items | $615,000 | 6,471 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $615,000 | 6,542 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $153,000 | 4,836 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $445,460 | 7,421 |
* 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.