Home > Valley Bank > Income and Expense
Valley Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $14,202,000 | 2,297 |
| Total interest expense | $6,252,000 | 2,408 |
| Net interest income | $7,950,000 | 2,202 |
| Provision for loan and lease losses | $681,000 | 1,355 |
| Total noninterest income | $1,508,000 | 2,188 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $945,000 | 1,363 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $563,000 | 2,610 |
| Total noninterest expense | $5,768,000 | 2,239 |
| Salaries and employee benefits | $3,108,000 | 2,122 |
| Premises and equipment expense | $928,000 | 2,122 |
| Additional noninterest expense | $1,732,000 | 2,389 |
| Pre-tax net operating income | $3,009,000 | 2,490 |
| Securities gains (losses) | $115,000 | 928 |
| Applicable income taxes | $917,000 | 2,618 |
| Income before extraordinary items | $2,207,000 | 2,358 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,207,000 | 2,358 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $345,000 | 1,781 |
| Cash dividends | $9,543,000 | 379 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,125,350 | 2,384 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $13,368,000 | 2,494 |
| Total interest expense | $5,361,000 | 2,837 |
| Net interest income | $8,007,000 | 2,253 |
| Provision for loan and lease losses | $180,000 | 3,640 |
| Total noninterest income | $1,307,000 | 2,528 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $891,000 | 1,506 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $416,000 | 3,326 |
| Total noninterest expense | $5,907,000 | 2,334 |
| Salaries and employee benefits | $3,380,000 | 1,950 |
| Premises and equipment expense | $761,000 | 2,572 |
| Additional noninterest expense | $1,766,000 | 2,741 |
| Pre-tax net operating income | $3,227,000 | 2,218 |
| Securities gains (losses) | $13,000 | 2,310 |
| Applicable income taxes | $980,000 | 2,396 |
| Income before extraordinary items | $2,260,000 | 2,187 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,260,000 | 2,188 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $436,000 | 1,581 |
| Cash dividends | $835,000 | 2,423 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,250,900 | 2,141 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $12,467,000 | 2,676 |
| Total interest expense | $5,063,000 | 2,989 |
| Net interest income | $7,404,000 | 2,431 |
| Provision for loan and lease losses | $118,000 | 4,263 |
| Total noninterest income | $1,237,000 | 2,649 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $834,000 | 1,620 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $403,000 | 3,303 |
| Total noninterest expense | $5,639,000 | 2,410 |
| Salaries and employee benefits | $3,442,000 | 1,927 |
| Premises and equipment expense | $621,000 | 3,121 |
| Additional noninterest expense | $1,576,000 | 2,972 |
| Pre-tax net operating income | $2,884,000 | 2,508 |
| Securities gains (losses) | $-10,000 | 10,097 |
| Applicable income taxes | $757,000 | 3,019 |
| Income before extraordinary items | $2,117,000 | 2,378 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,117,000 | 2,377 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 3,716 |
| Cash dividends | $535,000 | 3,186 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,124,400 | 2,348 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $11,285,000 | 2,694 |
| Total interest expense | $3,894,000 | 3,130 |
| Net interest income | $7,391,000 | 2,446 |
| Provision for loan and lease losses | $240,000 | 2,662 |
| Total noninterest income | $1,078,000 | 2,945 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $764,000 | 1,773 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $314,000 | 3,958 |
| Total noninterest expense | $5,271,000 | 2,641 |
| Salaries and employee benefits | $3,085,000 | 2,147 |
| Premises and equipment expense | $624,000 | 3,156 |
| Additional noninterest expense | $1,562,000 | 3,187 |
| Pre-tax net operating income | $2,958,000 | 2,408 |
| Securities gains (losses) | $129,000 | 671 |
| Applicable income taxes | $903,000 | 2,471 |
| Income before extraordinary items | $2,184,000 | 2,240 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,184,000 | 2,238 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 11,034 |
| Cash dividends | $874,000 | 2,138 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,092,410 | 2,345 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $10,940,000 | 2,835 |
| Total interest expense | $3,607,000 | 3,479 |
| Net interest income | $7,333,000 | 2,440 |
| Provision for loan and lease losses | $515,000 | 2,048 |
| Total noninterest income | $1,165,000 | 2,969 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $630,000 | 2,176 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $535,000 | 3,118 |
| Total noninterest expense | $5,190,000 | 2,751 |
| Salaries and employee benefits | $3,045,000 | 2,179 |
| Premises and equipment expense | $586,000 | 3,404 |
| Additional noninterest expense | $1,559,000 | 3,387 |
| Pre-tax net operating income | $2,793,000 | 2,463 |
| Securities gains (losses) | $57,000 | 3,212 |
| Applicable income taxes | $823,000 | 2,698 |
| Income before extraordinary items | $2,027,000 | 2,478 |
| Extraordinary gains, net | $286,000 | 753 |
| Net income | $2,313,000 | 2,245 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $388,000 | 2,103 |
| Cash dividends | $413,000 | 3,565 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,986,530 | 2,384 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $11,987,000 | 2,925 |
| Total interest expense | $4,520,000 | 3,628 |
| Net interest income | $7,467,000 | 2,424 |
| Provision for loan and lease losses | $359,000 | 3,724 |
| Total noninterest income | $1,112,000 | 3,041 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $621,000 | 2,191 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $491,000 | 3,237 |
| Total noninterest expense | $5,203,000 | 2,759 |
| Salaries and employee benefits | $2,933,000 | 2,219 |
| Premises and equipment expense | $587,000 | 3,429 |
| Additional noninterest expense | $1,683,000 | 3,249 |
| Pre-tax net operating income | $3,017,000 | 2,061 |
| Securities gains (losses) | $174,000 | 2,214 |
| Applicable income taxes | $933,000 | 2,236 |
| Income before extraordinary items | $2,258,000 | 2,033 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,258,000 | 2,062 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $349,000 | 3,064 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,134,460 | 1,977 |
* 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.