Home > Valley Bank of Frederick > Income and Expense
Valley Bank of Frederick, Income and Expense
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $860,000 | 13,257 |
| Total interest expense | $347,000 | 13,366 |
| Net interest income | $513,000 | 13,035 |
| Provision for loan and lease losses | $21,000 | 10,525 |
| Total noninterest income | $144,000 | 10,610 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $119,000 | 7,968 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $25,000 | 12,163 |
| Total noninterest expense | $562,000 | 12,292 |
| Salaries and employee benefits | $220,000 | 12,931 |
| Premises and equipment expense | $52,000 | 12,611 |
| Additional noninterest expense | $290,000 | 10,974 |
| Pre-tax net operating income | $74,000 | 12,246 |
| Securities gains (losses) | $16,000 | 5,884 |
| Applicable income taxes | $31,000 | 11,785 |
| Income before extraordinary items | $59,000 | 12,475 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $59,000 | 12,484 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 9,788 |
| Cash dividends | $55,000 | 7,563 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $48,440 | 12,314 |
* 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.