Home > Valley American Bank and Trust Company > Income and Expense
Valley American Bank and Trust Company, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $64,070,000 | 574 |
| Total interest expense | $31,511,000 | 559 |
| Net interest income | $32,559,000 | 574 |
| Provision for loan and lease losses | $607,000 | 1,495 |
| Total noninterest income | $5,827,000 | 828 |
| Gross Fiduciary activities income | $1,661,000 | 361 |
| Service charges on deposit accounts | $2,184,000 | 599 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,982,000 | 1,113 |
| Total noninterest expense | $23,547,000 | 646 |
| Salaries and employee benefits | $12,105,000 | 572 |
| Premises and equipment expense | $3,309,000 | 628 |
| Additional noninterest expense | $8,133,000 | 680 |
| Pre-tax net operating income | $14,232,000 | 607 |
| Securities gains (losses) | $70,000 | 1,148 |
| Applicable income taxes | $6,107,000 | 531 |
| Income before extraordinary items | $8,195,000 | 695 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $8,195,000 | 696 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,007,000 | 502 |
| Cash dividends | $7,115,000 | 477 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $8,150,200 | 683 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $61,400,000 | 625 |
| Total interest expense | $29,816,000 | 616 |
| Net interest income | $31,584,000 | 631 |
| Provision for loan and lease losses | $5,274,000 | 326 |
| Total noninterest income | $5,184,000 | 931 |
| Gross Fiduciary activities income | $1,454,000 | 414 |
| Service charges on deposit accounts | $2,073,000 | 656 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,657,000 | 1,320 |
| Total noninterest expense | $21,846,000 | 734 |
| Salaries and employee benefits | $11,320,000 | 620 |
| Premises and equipment expense | $3,271,000 | 680 |
| Additional noninterest expense | $7,255,000 | 875 |
| Pre-tax net operating income | $9,648,000 | 813 |
| Securities gains (losses) | $-1,706,000 | 11,423 |
| Applicable income taxes | $3,716,000 | 742 |
| Income before extraordinary items | $4,226,000 | 1,197 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $4,226,000 | 1,199 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,874,000 | 597 |
| Cash dividends | $578,000 | 3,133 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $5,317,840 | 972 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $59,494,000 | 668 |
| Total interest expense | $28,862,000 | 663 |
| Net interest income | $30,632,000 | 671 |
| Provision for loan and lease losses | $1,676,000 | 660 |
| Total noninterest income | $5,141,000 | 945 |
| Gross Fiduciary activities income | $1,431,000 | 452 |
| Service charges on deposit accounts | $2,061,000 | 663 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,649,000 | 1,299 |
| Total noninterest expense | $20,947,000 | 759 |
| Salaries and employee benefits | $11,205,000 | 634 |
| Premises and equipment expense | $3,908,000 | 608 |
| Additional noninterest expense | $5,834,000 | 997 |
| Pre-tax net operating income | $13,150,000 | 660 |
| Securities gains (losses) | $-22,000 | 10,616 |
| Applicable income taxes | $4,519,000 | 656 |
| Income before extraordinary items | $8,609,000 | 681 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $8,609,000 | 681 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,376,000 | 727 |
| Cash dividends | $3,005,000 | 904 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $8,623,520 | 672 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $49,127,000 | 714 |
| Total interest expense | $20,825,000 | 693 |
| Net interest income | $28,302,000 | 702 |
| Provision for loan and lease losses | $1,743,000 | 642 |
| Total noninterest income | $5,001,000 | 926 |
| Gross Fiduciary activities income | $1,308,000 | 459 |
| Service charges on deposit accounts | $2,173,000 | 629 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,520,000 | 1,372 |
| Total noninterest expense | $18,775,000 | 849 |
| Salaries and employee benefits | $9,807,000 | 714 |
| Premises and equipment expense | $3,298,000 | 703 |
| Additional noninterest expense | $5,670,000 | 1,056 |
| Pre-tax net operating income | $12,785,000 | 646 |
| Securities gains (losses) | $-154,000 | 11,806 |
| Applicable income taxes | $4,577,000 | 616 |
| Income before extraordinary items | $8,054,000 | 681 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $8,054,000 | 683 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $643,000 | 1,156 |
| Cash dividends | $2,312,000 | 982 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $8,152,560 | 681 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $46,661,000 | 734 |
| Total interest expense | $20,059,000 | 712 |
| Net interest income | $26,602,000 | 730 |
| Provision for loan and lease losses | $2,873,000 | 632 |
| Total noninterest income | $4,989,000 | 984 |
| Gross Fiduciary activities income | $1,254,000 | 491 |
| Service charges on deposit accounts | $2,261,000 | 596 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,474,000 | 1,575 |
| Total noninterest expense | $17,924,000 | 921 |
| Salaries and employee benefits | $8,917,000 | 778 |
| Premises and equipment expense | $2,952,000 | 789 |
| Additional noninterest expense | $6,055,000 | 1,089 |
| Pre-tax net operating income | $10,794,000 | 672 |
| Securities gains (losses) | $435,000 | 994 |
| Applicable income taxes | $3,977,000 | 655 |
| Income before extraordinary items | $7,252,000 | 720 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $7,252,000 | 744 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,773,000 | 777 |
| Cash dividends | $2,934,000 | 743 |
| Sale, conversion, retirement of capital stock, net | $-400,000 | 13,233 |
| Net operating income | $6,969,250 | 693 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $49,194,000 | 795 |
| Total interest expense | $23,412,000 | 805 |
| Net interest income | $25,782,000 | 773 |
| Provision for loan and lease losses | $2,196,000 | 1,080 |
| Total noninterest income | $4,797,000 | 1,013 |
| Gross Fiduciary activities income | $1,178,000 | 509 |
| Service charges on deposit accounts | $2,127,000 | 644 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,492,000 | 1,529 |
| Total noninterest expense | $17,832,000 | 932 |
| Salaries and employee benefits | $8,830,000 | 778 |
| Premises and equipment expense | $3,324,000 | 727 |
| Additional noninterest expense | $5,678,000 | 1,177 |
| Pre-tax net operating income | $10,551,000 | 607 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $3,937,000 | 600 |
| Income before extraordinary items | $6,614,000 | 715 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $6,614,000 | 712 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,396,000 | 1,261 |
| Cash dividends | $961,000 | 1,620 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $6,614,000 | 650 |
* 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.