Home > Valdosta Bank and Trust > Income and Expense

Valdosta Bank and Trust, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$5,840,0005,102
Total interest expense$3,273,0004,406
Net interest income$2,567,0005,738
Provision for loan and lease losses$366,0002,213
Total noninterest income$380,0005,777
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$143,0006,047
Trading account gains and feesNANA
Additional Noninterest Income$237,0004,530
Total noninterest expense$1,922,0005,743
Salaries and employee benefits$869,0006,357
Premises and equipment expense$328,0005,097
Additional noninterest expense$725,0005,028
Pre-tax net operating income$659,0006,643
Securities gains (losses)$4,0003,561
Applicable income taxes$219,0005,969
Income before extraordinary items$444,0006,955
Extraordinary gains, net$032
Net income$444,0006,953
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$139,0003,049
Cash dividends$219,0005,214
Sale, conversion, retirement of capital stock, net$189,000689
Net operating income$441,3206,877
1997-12-31 (YTD Data)Rank
Total interest income$5,501,0005,410
Total interest expense$3,014,0004,692
Net interest income$2,487,0006,070
Provision for loan and lease losses$87,0005,506
Total noninterest income$407,0005,672
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$133,0006,493
Trading account gains and feesNANA
Additional Noninterest Income$274,0004,129
Total noninterest expense$1,585,0006,562
Salaries and employee benefits$860,0006,487
Premises and equipment expense$236,0006,266
Additional noninterest expense$489,0006,596
Pre-tax net operating income$1,222,0005,180
Securities gains (losses)$1,0003,559
Applicable income taxes$403,0004,863
Income before extraordinary items$820,0005,375
Extraordinary gains, net$044
Net income$820,0005,379
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$45,0005,336
Cash dividends$165,0005,736
Sale, conversion, retirement of capital stock, net$215,000670
Net operating income$819,3305,328
1996-12-31 (YTD Data)Rank
Total interest income$4,941,0005,988
Total interest expense$2,783,0005,100
Net interest income$2,158,0006,845
Provision for loan and lease losses$67,0005,924
Total noninterest income$363,0006,294
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$130,0006,857
Trading account gains and feesNANA
Additional Noninterest Income$233,0004,738
Total noninterest expense$1,506,0007,090
Salaries and employee benefits$804,0006,962
Premises and equipment expense$238,0006,414
Additional noninterest expense$464,0007,354
Pre-tax net operating income$948,0005,928
Securities gains (losses)$8,0002,673
Applicable income taxes$317,0005,643
Income before extraordinary items$639,0006,043
Extraordinary gains, net$053
Net income$639,0006,045
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-5,00010,158
Cash dividends$116,0006,459
Sale, conversion, retirement of capital stock, net$43,000746
Net operating income$633,6406,019
1995-12-31 (YTD Data)Rank
Total interest income$4,286,0006,708
Total interest expense$2,440,0005,674
Net interest income$1,846,0007,653
Provision for loan and lease losses$82,0005,048
Total noninterest income$225,0008,061
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$127,0007,167
Trading account gains and feesNANA
Additional Noninterest Income$98,0007,303
Total noninterest expense$1,403,0007,573
Salaries and employee benefits$694,0007,750
Premises and equipment expense$229,0006,680
Additional noninterest expense$480,0007,424
Pre-tax net operating income$586,0007,949
Securities gains (losses)$28,0001,681
Applicable income taxes$214,0007,188
Income before extraordinary items$400,0008,083
Extraordinary gains, net$065
Net income$400,0008,080
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$72,0004,456
Cash dividends$86,0007,097
Sale, conversion, retirement of capital stock, net$0809
Net operating income$381,8008,207
1994-12-31 (YTD Data)Rank
Total interest income$3,065,0007,943
Total interest expense$1,509,0006,863
Net interest income$1,556,0008,714
Provision for loan and lease losses$189,0003,138
Total noninterest income$151,0009,686
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$130,0007,363
Trading account gains and feesNANA
Additional Noninterest Income$21,00011,366
Total noninterest expense$984,0009,414
Salaries and employee benefits$538,0009,055
Premises and equipment expense$188,0007,687
Additional noninterest expense$258,00010,431
Pre-tax net operating income$534,0008,428
Securities gains (losses)$6,0002,522
Applicable income taxes$011,630
Income before extraordinary items$540,0007,002
Extraordinary gains, net$0249
Net income$540,0007,015
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$166,0002,815
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$534,0007,090
1993-12-31 (YTD Data)Rank
Total interest income$2,505,0009,175
Total interest expense$1,141,0008,514
Net interest income$1,364,0009,532
Provision for loan and lease losses$259,0003,316
Total noninterest income$146,00010,287
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$131,0007,556
Trading account gains and feesNANA
Additional Noninterest Income$15,00012,399
Total noninterest expense$1,233,0008,761
Salaries and employee benefits$635,0008,520
Premises and equipment expense$205,0007,582
Additional noninterest expense$393,0009,341
Pre-tax net operating income$18,00012,313
Securities gains (losses)$07,477
Applicable income taxes$012,141
Income before extraordinary items$18,00012,437
Extraordinary gains, net$03,149
Net income$18,00012,459
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$102,0004,512
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$1,033,000454
Net operating income$18,00012,302
1992-12-31 (YTD Data)Rank
Total interest income$2,370,00010,149
Total interest expense$1,279,0009,322
Net interest income$1,091,00010,726
Provision for loan and lease losses$68,0008,314
Total noninterest income$131,00010,899
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$114,0008,107
Trading account gains and feesNANA
Additional Noninterest Income$17,00012,822
Total noninterest expense$1,093,0009,545
Salaries and employee benefits$463,00010,166
Premises and equipment expense$189,0008,102
Additional noninterest expense$441,0009,086
Pre-tax net operating income$61,00012,344
Securities gains (losses)$39,0004,543
Applicable income taxes$22,00012,047
Income before extraordinary items$78,00012,251
Extraordinary gains, net$22,0001,209
Net income$100,00012,007
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$5,00010,474
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$47,58012,318

* 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.