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Valley Bank, Income and Expense
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $32,957,000 | 974 |
| Total interest expense | $13,952,000 | 974 |
| Net interest income | $19,005,000 | 966 |
| Provision for loan and lease losses | $1,715,000 | 898 |
| Total noninterest income | $5,123,000 | 967 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $2,230,000 | 606 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $2,893,000 | 984 |
| Total noninterest expense | $19,590,000 | 858 |
| Salaries and employee benefits | $7,510,000 | 903 |
| Premises and equipment expense | $2,904,000 | 796 |
| Additional noninterest expense | $9,176,000 | 814 |
| Pre-tax net operating income | $2,823,000 | 2,437 |
| Securities gains (losses) | $-14,000 | 12,848 |
| Applicable income taxes | $855,000 | 2,615 |
| Income before extraordinary items | $1,954,000 | 2,583 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,954,000 | 2,673 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,955,000 | 738 |
| Cash dividends | $3,137,000 | 688 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,963,800 | 2,419 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $25,678,000 | 1,428 |
| Total interest expense | $12,138,000 | 1,459 |
| Net interest income | $13,540,000 | 1,370 |
| Provision for loan and lease losses | $942,000 | 1,909 |
| Total noninterest income | $3,036,000 | 1,425 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $1,134,000 | 1,170 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,902,000 | 1,287 |
| Total noninterest expense | $15,025,000 | 1,069 |
| Salaries and employee benefits | $5,928,000 | 1,131 |
| Premises and equipment expense | $2,186,000 | 1,037 |
| Additional noninterest expense | $6,911,000 | 1,022 |
| Pre-tax net operating income | $609,000 | 7,644 |
| Securities gains (losses) | $165,000 | 2,288 |
| Applicable income taxes | $219,000 | 7,205 |
| Income before extraordinary items | $555,000 | 6,889 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $555,000 | 6,973 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,165,000 | 1,420 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $436,200 | 7,519 |
* 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.