Home > Valley Bank of Belgrade > Income and Expense
Valley Bank of Belgrade, Income and Expense
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,618,000 | 6,227 |
| Total interest expense | $806,000 | 7,493 |
| Net interest income | $2,812,000 | 5,505 |
| Provision for loan and lease losses | $403,000 | 2,818 |
| Total noninterest income | $436,000 | 5,568 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $252,000 | 4,667 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $184,000 | 5,193 |
| Total noninterest expense | $1,981,000 | 5,897 |
| Salaries and employee benefits | $1,071,000 | 5,894 |
| Premises and equipment expense | $282,000 | 5,756 |
| Additional noninterest expense | $628,000 | 5,771 |
| Pre-tax net operating income | $864,000 | 5,579 |
| Securities gains (losses) | $32,000 | 2,782 |
| Applicable income taxes | $368,000 | 4,056 |
| Income before extraordinary items | $528,000 | 6,270 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $528,000 | 6,269 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $315,000 | 2,289 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $507,520 | 6,213 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,222,000 | 7,012 |
| Total interest expense | $982,000 | 8,060 |
| Net interest income | $2,240,000 | 6,068 |
| Provision for loan and lease losses | $36,000 | 7,043 |
| Total noninterest income | $601,000 | 4,573 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $240,000 | 4,751 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $361,000 | 3,744 |
| Total noninterest expense | $2,107,000 | 5,549 |
| Salaries and employee benefits | $868,000 | 6,504 |
| Premises and equipment expense | $248,000 | 6,115 |
| Additional noninterest expense | $991,000 | 4,095 |
| Pre-tax net operating income | $698,000 | 5,826 |
| Securities gains (losses) | $1,000 | 4,410 |
| Applicable income taxes | $366,000 | 3,907 |
| Income before extraordinary items | $333,000 | 6,935 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $333,000 | 6,936 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,628 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $332,360 | 6,823 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,258,000 | 7,156 |
| Total interest expense | $1,095,000 | 8,025 |
| Net interest income | $2,163,000 | 6,329 |
| Provision for loan and lease losses | $107,000 | 5,170 |
| Total noninterest income | $416,000 | 5,430 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $197,000 | 5,125 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $219,000 | 4,579 |
| Total noninterest expense | $1,663,000 | 6,340 |
| Salaries and employee benefits | $943,000 | 6,152 |
| Premises and equipment expense | $194,000 | 6,868 |
| Additional noninterest expense | $526,000 | 6,235 |
| Pre-tax net operating income | $809,000 | 5,842 |
| Securities gains (losses) | $-24,000 | 8,832 |
| Applicable income taxes | $306,000 | 4,568 |
| Income before extraordinary items | $479,000 | 6,437 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $479,000 | 6,436 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,122 |
| Cash dividends | $985,000 | 2,337 |
| Sale, conversion, retirement of capital stock, net | $4,083,000 | 249 |
| Net operating income | $494,360 | 6,377 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,885,000 | 7,506 |
| Total interest expense | $934,000 | 8,353 |
| Net interest income | $1,951,000 | 6,731 |
| Provision for loan and lease losses | $1,000 | 8,482 |
| Total noninterest income | $389,000 | 5,708 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $174,000 | 5,471 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $215,000 | 4,777 |
| Total noninterest expense | $1,332,000 | 7,212 |
| Salaries and employee benefits | $694,000 | 7,278 |
| Premises and equipment expense | $178,000 | 7,166 |
| Additional noninterest expense | $460,000 | 6,819 |
| Pre-tax net operating income | $1,007,000 | 5,292 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $327,000 | 4,615 |
| Income before extraordinary items | $680,000 | 5,543 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $680,000 | 5,540 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 9,568 |
| Cash dividends | $405,000 | 3,877 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $680,000 | 5,510 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,730,000 | 7,835 |
| Total interest expense | $927,000 | 8,621 |
| Net interest income | $1,803,000 | 7,043 |
| Provision for loan and lease losses | $-100,000 | 10,312 |
| Total noninterest income | $377,000 | 5,795 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $172,000 | 5,561 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $205,000 | 4,897 |
| Total noninterest expense | $1,267,000 | 7,362 |
| Salaries and employee benefits | $680,000 | 7,304 |
| Premises and equipment expense | $162,000 | 7,398 |
| Additional noninterest expense | $425,000 | 7,015 |
| Pre-tax net operating income | $1,013,000 | 5,374 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $349,000 | 4,769 |
| Income before extraordinary items | $664,000 | 5,751 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $664,000 | 5,750 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,524 |
| Cash dividends | $625,000 | 3,046 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $664,000 | 5,649 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,829,000 | 7,964 |
| Total interest expense | $990,000 | 8,714 |
| Net interest income | $1,839,000 | 7,236 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $381,000 | 5,891 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $196,000 | 5,391 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $185,000 | 5,144 |
| Total noninterest expense | $1,200,000 | 7,679 |
| Salaries and employee benefits | $599,000 | 7,923 |
| Premises and equipment expense | $162,000 | 7,548 |
| Additional noninterest expense | $439,000 | 7,022 |
| Pre-tax net operating income | $1,020,000 | 5,769 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $347,000 | 5,340 |
| Income before extraordinary items | $673,000 | 6,007 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $673,000 | 6,009 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 10,160 |
| Cash dividends | $150,000 | 5,875 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $673,000 | 5,966 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,597,000 | 8,569 |
| Total interest expense | $909,000 | 9,299 |
| Net interest income | $1,688,000 | 7,814 |
| Provision for loan and lease losses | $-150,000 | 11,304 |
| Total noninterest income | $356,000 | 6,364 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $200,000 | 5,563 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $156,000 | 5,866 |
| Total noninterest expense | $1,101,000 | 8,327 |
| Salaries and employee benefits | $565,000 | 8,365 |
| Premises and equipment expense | $176,000 | 7,509 |
| Additional noninterest expense | $360,000 | 8,263 |
| Pre-tax net operating income | $1,093,000 | 5,434 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $367,000 | 5,162 |
| Income before extraordinary items | $726,000 | 5,645 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $726,000 | 5,645 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-27,000 | 10,802 |
| Cash dividends | $1,114,000 | 1,975 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $726,000 | 5,588 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,356,000 | 9,176 |
| Total interest expense | $785,000 | 10,007 |
| Net interest income | $1,571,000 | 8,332 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $343,000 | 6,558 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $178,000 | 6,102 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $165,000 | 5,697 |
| Total noninterest expense | $1,009,000 | 8,912 |
| Salaries and employee benefits | $499,000 | 9,124 |
| Premises and equipment expense | $140,000 | 8,530 |
| Additional noninterest expense | $370,000 | 8,491 |
| Pre-tax net operating income | $905,000 | 6,392 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $296,000 | 6,050 |
| Income before extraordinary items | $609,000 | 6,563 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $609,000 | 6,561 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-33,000 | 11,271 |
| Cash dividends | $150,000 | 6,032 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $609,000 | 6,547 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,015,000 | 9,777 |
| Total interest expense | $637,000 | 10,423 |
| Net interest income | $1,378,000 | 9,220 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $298,000 | 7,275 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $164,000 | 6,569 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $134,000 | 6,565 |
| Total noninterest expense | $888,000 | 9,833 |
| Salaries and employee benefits | $428,000 | 10,020 |
| Premises and equipment expense | $112,000 | 9,637 |
| Additional noninterest expense | $348,000 | 9,369 |
| Pre-tax net operating income | $788,000 | 6,931 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $255,000 | 6,452 |
| Income before extraordinary items | $533,000 | 7,053 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $533,000 | 7,065 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-47,000 | 11,851 |
| Cash dividends | $267,000 | 4,774 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $533,000 | 7,095 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,831,000 | 10,534 |
| Total interest expense | $574,000 | 11,293 |
| Net interest income | $1,257,000 | 9,882 |
| Provision for loan and lease losses | $-200,000 | 13,035 |
| Total noninterest income | $282,000 | 7,912 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $131,000 | 7,556 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $151,000 | 6,544 |
| Total noninterest expense | $860,000 | 10,390 |
| Salaries and employee benefits | $414,000 | 10,494 |
| Premises and equipment expense | $122,000 | 9,724 |
| Additional noninterest expense | $324,000 | 10,135 |
| Pre-tax net operating income | $879,000 | 6,428 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $305,000 | 6,010 |
| Income before extraordinary items | $574,000 | 6,981 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $574,000 | 7,153 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-213,000 | 13,124 |
| Cash dividends | $400,000 | 3,627 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $574,000 | 6,720 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,903,000 | 11,090 |
| Total interest expense | $764,000 | 11,500 |
| Net interest income | $1,139,000 | 10,556 |
| Provision for loan and lease losses | $36,000 | 9,661 |
| Total noninterest income | $255,000 | 8,418 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $134,000 | 7,552 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $121,000 | 7,418 |
| Total noninterest expense | $845,000 | 10,781 |
| Salaries and employee benefits | $372,000 | 11,196 |
| Premises and equipment expense | $126,000 | 9,817 |
| Additional noninterest expense | $347,000 | 10,227 |
| Pre-tax net operating income | $513,000 | 8,315 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $184,000 | 7,884 |
| Income before extraordinary items | $329,000 | 8,940 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $329,000 | 9,085 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-94,000 | 13,703 |
| Cash dividends | $310,000 | 3,924 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $329,000 | 8,583 |
* 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.