Valley American Bank and Trust Company, Income and Expense

1997-12-31 (YTD Data)Rank
Total interest income$64,070,000574
Total interest expense$31,511,000559
Net interest income$32,559,000574
Provision for loan and lease losses$607,0001,495
Total noninterest income$5,827,000828
Gross Fiduciary activities income$1,661,000361
Service charges on deposit accounts$2,184,000599
Trading account gains and fees$0239
Additional Noninterest Income$1,982,0001,113
Total noninterest expense$23,547,000646
Salaries and employee benefits$12,105,000572
Premises and equipment expense$3,309,000628
Additional noninterest expense$8,133,000680
Pre-tax net operating income$14,232,000607
Securities gains (losses)$70,0001,148
Applicable income taxes$6,107,000531
Income before extraordinary items$8,195,000695
Extraordinary gains, net$044
Net income$8,195,000696
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,007,000502
Cash dividends$7,115,000477
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$8,150,200683
1996-12-31 (YTD Data)Rank
Total interest income$61,400,000625
Total interest expense$29,816,000616
Net interest income$31,584,000631
Provision for loan and lease losses$5,274,000326
Total noninterest income$5,184,000931
Gross Fiduciary activities income$1,454,000414
Service charges on deposit accounts$2,073,000656
Trading account gains and fees$0262
Additional Noninterest Income$1,657,0001,320
Total noninterest expense$21,846,000734
Salaries and employee benefits$11,320,000620
Premises and equipment expense$3,271,000680
Additional noninterest expense$7,255,000875
Pre-tax net operating income$9,648,000813
Securities gains (losses)$-1,706,00011,423
Applicable income taxes$3,716,000742
Income before extraordinary items$4,226,0001,197
Extraordinary gains, net$053
Net income$4,226,0001,199
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,874,000597
Cash dividends$578,0003,133
Sale, conversion, retirement of capital stock, net$0953
Net operating income$5,317,840972
1995-12-31 (YTD Data)Rank
Total interest income$59,494,000668
Total interest expense$28,862,000663
Net interest income$30,632,000671
Provision for loan and lease losses$1,676,000660
Total noninterest income$5,141,000945
Gross Fiduciary activities income$1,431,000452
Service charges on deposit accounts$2,061,000663
Trading account gains and fees$0522
Additional Noninterest Income$1,649,0001,299
Total noninterest expense$20,947,000759
Salaries and employee benefits$11,205,000634
Premises and equipment expense$3,908,000608
Additional noninterest expense$5,834,000997
Pre-tax net operating income$13,150,000660
Securities gains (losses)$-22,00010,616
Applicable income taxes$4,519,000656
Income before extraordinary items$8,609,000681
Extraordinary gains, net$065
Net income$8,609,000681
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,376,000727
Cash dividends$3,005,000904
Sale, conversion, retirement of capital stock, net$0809
Net operating income$8,623,520672
1994-12-31 (YTD Data)Rank
Total interest income$49,127,000714
Total interest expense$20,825,000693
Net interest income$28,302,000702
Provision for loan and lease losses$1,743,000642
Total noninterest income$5,001,000926
Gross Fiduciary activities income$1,308,000459
Service charges on deposit accounts$2,173,000629
Trading account gains and fees$0475
Additional Noninterest Income$1,520,0001,372
Total noninterest expense$18,775,000849
Salaries and employee benefits$9,807,000714
Premises and equipment expense$3,298,000703
Additional noninterest expense$5,670,0001,056
Pre-tax net operating income$12,785,000646
Securities gains (losses)$-154,00011,806
Applicable income taxes$4,577,000616
Income before extraordinary items$8,054,000681
Extraordinary gains, net$0249
Net income$8,054,000683
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$643,0001,156
Cash dividends$2,312,000982
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$8,152,560681
1993-12-31 (YTD Data)Rank
Total interest income$46,661,000734
Total interest expense$20,059,000712
Net interest income$26,602,000730
Provision for loan and lease losses$2,873,000632
Total noninterest income$4,989,000984
Gross Fiduciary activities income$1,254,000491
Service charges on deposit accounts$2,261,000596
Trading account gains and fees$0532
Additional Noninterest Income$1,474,0001,575
Total noninterest expense$17,924,000921
Salaries and employee benefits$8,917,000778
Premises and equipment expense$2,952,000789
Additional noninterest expense$6,055,0001,089
Pre-tax net operating income$10,794,000672
Securities gains (losses)$435,000994
Applicable income taxes$3,977,000655
Income before extraordinary items$7,252,000720
Extraordinary gains, net$03,149
Net income$7,252,000744
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,773,000777
Cash dividends$2,934,000743
Sale, conversion, retirement of capital stock, net$-400,00013,233
Net operating income$6,969,250693
1992-12-31 (YTD Data)Rank
Total interest income$49,194,000795
Total interest expense$23,412,000805
Net interest income$25,782,000773
Provision for loan and lease losses$2,196,0001,080
Total noninterest income$4,797,0001,013
Gross Fiduciary activities income$1,178,000509
Service charges on deposit accounts$2,127,000644
Trading account gains and fees$0504
Additional Noninterest Income$1,492,0001,529
Total noninterest expense$17,832,000932
Salaries and employee benefits$8,830,000778
Premises and equipment expense$3,324,000727
Additional noninterest expense$5,678,0001,177
Pre-tax net operating income$10,551,000607
Securities gains (losses)$08,369
Applicable income taxes$3,937,000600
Income before extraordinary items$6,614,000715
Extraordinary gains, net$01,422
Net income$6,614,000712
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,396,0001,261
Cash dividends$961,0001,620
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$6,614,000650

* 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.