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Valley Bank, Income and Expense
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $61,358,000 | 580 |
| Total interest expense | $24,996,000 | 599 |
| Net interest income | $36,362,000 | 561 |
| Provision for loan and lease losses | $1,579,000 | 962 |
| Total noninterest income | $14,575,000 | 469 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $3,862,000 | 397 |
| Trading account gains and fees | $1,000 | 508 |
| Additional Noninterest Income | $10,712,000 | 418 |
| Total noninterest expense | $32,044,000 | 589 |
| Salaries and employee benefits | $12,545,000 | 583 |
| Premises and equipment expense | $3,961,000 | 607 |
| Additional noninterest expense | $15,538,000 | 560 |
| Pre-tax net operating income | $17,314,000 | 457 |
| Securities gains (losses) | $-17,000 | 12,886 |
| Applicable income taxes | $6,167,000 | 461 |
| Income before extraordinary items | $11,130,000 | 503 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $11,130,000 | 514 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,531,000 | 860 |
| Cash dividends | $4,719,000 | 516 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $11,140,880 | 472 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $65,266,000 | 619 |
| Total interest expense | $28,701,000 | 672 |
| Net interest income | $36,565,000 | 570 |
| Provision for loan and lease losses | $2,168,000 | 1,090 |
| Total noninterest income | $12,731,000 | 510 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $3,830,000 | 389 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $8,901,000 | 468 |
| Total noninterest expense | $31,374,000 | 585 |
| Salaries and employee benefits | $12,321,000 | 595 |
| Premises and equipment expense | $3,801,000 | 651 |
| Additional noninterest expense | $15,252,000 | 567 |
| Pre-tax net operating income | $15,754,000 | 423 |
| Securities gains (losses) | $106,000 | 2,913 |
| Applicable income taxes | $5,257,000 | 461 |
| Income before extraordinary items | $10,603,000 | 466 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $10,603,000 | 471 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,486,000 | 1,198 |
| Cash dividends | $5,629,000 | 341 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $10,531,980 | 425 |
* 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.