Home > Valley Capital Bank, National Association > Income and Expense
Valley Capital Bank, National Association, Income and Expense
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $1,074,000 | 7,548 |
| Total interest expense | $686,000 | 6,346 |
| Net interest income | $388,000 | 7,905 |
| Provision for loan and lease losses | $2,015,000 | 1,893 |
| Total noninterest income | $-865,000 | 8,036 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $29,000 | 6,705 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-894,000 | 8,002 |
| Total noninterest expense | $2,966,000 | 4,386 |
| Salaries and employee benefits | $1,422,000 | 4,552 |
| Premises and equipment expense | $488,000 | 3,684 |
| Additional noninterest expense | $1,056,000 | 4,236 |
| Pre-tax net operating income | $-5,458,000 | 7,532 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-5,458,000 | 7,611 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-5,458,000 | 7,611 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-5,458,000 | 7,611 |
| Net charge-offs | $1,531,000 | 1,748 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-5,458,000 | 7,623 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $755,000 | 7,572 |
| Total interest expense | $504,000 | 6,259 |
| Net interest income | $251,000 | 7,987 |
| Provision for loan and lease losses | $1,035,000 | 2,026 |
| Total noninterest income | $664,000 | 2,835 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $18,000 | 6,781 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $646,000 | 1,893 |
| Total noninterest expense | $2,033,000 | 4,338 |
| Salaries and employee benefits | $995,000 | 4,452 |
| Premises and equipment expense | $329,000 | 3,678 |
| Additional noninterest expense | $709,000 | 4,233 |
| Pre-tax net operating income | $-2,153,000 | 7,422 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-2,153,000 | 7,512 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,153,000 | 7,511 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-2,153,000 | 7,511 |
| Net charge-offs | $864,000 | 1,756 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-2,153,000 | 7,516 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $395,000 | 7,572 |
| Total interest expense | $289,000 | 6,094 |
| Net interest income | $106,000 | 8,088 |
| Provision for loan and lease losses | $1,015,000 | 1,169 |
| Total noninterest income | $233,000 | 3,517 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $7,000 | 6,895 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $226,000 | 2,346 |
| Total noninterest expense | $1,053,000 | 4,151 |
| Salaries and employee benefits | $563,000 | 4,090 |
| Premises and equipment expense | $159,000 | 3,817 |
| Additional noninterest expense | $331,000 | 4,105 |
| Pre-tax net operating income | $-1,729,000 | 7,781 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-1,729,000 | 7,870 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,729,000 | 7,871 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-1,729,000 | 7,871 |
| Net charge-offs | $363,000 | 1,626 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-1,729,000 | 7,860 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $2,131,000 | 7,239 |
| Total interest expense | $1,049,000 | 6,702 |
| Net interest income | $1,082,000 | 7,490 |
| Provision for loan and lease losses | $994,000 | 2,717 |
| Total noninterest income | $1,492,000 | 2,649 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $18,000 | 7,072 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,474,000 | 1,618 |
| Total noninterest expense | $9,423,000 | 2,042 |
| Salaries and employee benefits | $3,201,000 | 3,079 |
| Premises and equipment expense | $656,000 | 3,667 |
| Additional noninterest expense | $5,566,000 | 1,152 |
| Pre-tax net operating income | $-7,843,000 | 7,934 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $-7,843,000 | 7,942 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-7,843,000 | 7,942 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $212,000 | 4,016 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $312,000 | 663 |
| Net operating income | $-7,843,000 | 7,975 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $1,607,000 | 7,315 |
| Total interest expense | $691,000 | 7,026 |
| Net interest income | $916,000 | 7,390 |
| Provision for loan and lease losses | $307,000 | 3,508 |
| Total noninterest income | $1,261,000 | 2,491 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $9,000 | 7,197 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,252,000 | 1,545 |
| Total noninterest expense | $4,392,000 | 3,124 |
| Salaries and employee benefits | $2,379,000 | 3,122 |
| Premises and equipment expense | $495,000 | 3,664 |
| Additional noninterest expense | $1,518,000 | 2,748 |
| Pre-tax net operating income | $-2,522,000 | 7,946 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $-2,522,000 | 7,950 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-2,522,000 | 7,949 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,369 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 1,146 |
| Net operating income | $-2,522,000 | 8,016 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,050,000 | 7,422 |
| Total interest expense | $441,000 | 7,203 |
| Net interest income | $609,000 | 7,429 |
| Provision for loan and lease losses | $207,000 | 3,100 |
| Total noninterest income | $930,000 | 2,352 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $5,000 | 7,264 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $925,000 | 1,483 |
| Total noninterest expense | $2,996,000 | 3,062 |
| Salaries and employee benefits | $1,627,000 | 3,086 |
| Premises and equipment expense | $317,000 | 3,795 |
| Additional noninterest expense | $1,052,000 | 2,623 |
| Pre-tax net operating income | $-1,664,000 | 8,115 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $-1,664,000 | 8,178 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,664,000 | 8,178 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,998 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 1,064 |
| Net operating income | $-1,664,000 | 8,170 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $497,000 | 7,569 |
| Total interest expense | $223,000 | 7,315 |
| Net interest income | $274,000 | 7,630 |
| Provision for loan and lease losses | $73,000 | 3,268 |
| Total noninterest income | $615,000 | 1,917 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $4,000 | 7,199 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $611,000 | 1,222 |
| Total noninterest expense | $1,486,000 | 3,093 |
| Salaries and employee benefits | $913,000 | 2,790 |
| Premises and equipment expense | $159,000 | 3,812 |
| Additional noninterest expense | $414,000 | 3,210 |
| Pre-tax net operating income | $-670,000 | 8,178 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-670,000 | 8,227 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-670,000 | 8,227 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $63,000 | 422 |
| Net operating income | $-670,000 | 8,216 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $461,000 | 8,411 |
| Total interest expense | $144,000 | 8,353 |
| Net interest income | $317,000 | 8,407 |
| Provision for loan and lease losses | $333,000 | 3,010 |
| Total noninterest income | $155,000 | 7,085 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,000 | 7,464 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $154,000 | 5,533 |
| Total noninterest expense | $1,064,000 | 7,562 |
| Salaries and employee benefits | $569,000 | 7,625 |
| Premises and equipment expense | $182,000 | 6,915 |
| Additional noninterest expense | $313,000 | 7,474 |
| Pre-tax net operating income | $-925,000 | 8,019 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $-925,000 | 8,083 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-925,000 | 8,080 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,600 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-925,000 | 8,076 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $21,000 | 8,555 |
| Total interest expense | $4,000 | 8,537 |
| Net interest income | $17,000 | 8,553 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $11,000 | 8,330 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $0 | 7,525 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $11,000 | 7,986 |
| Total noninterest expense | $173,000 | 8,514 |
| Salaries and employee benefits | $60,000 | 8,524 |
| Premises and equipment expense | $23,000 | 8,395 |
| Additional noninterest expense | $90,000 | 8,373 |
| Pre-tax net operating income | $-145,000 | 7,846 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $-145,000 | 7,886 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-145,000 | 7,882 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-145,000 | 7,871 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $518,000 | 8,298 |
| Total interest expense | $189,000 | 8,228 |
| Net interest income | $329,000 | 8,258 |
| Provision for loan and lease losses | $85,000 | 3,599 |
| Total noninterest income | $199,000 | 5,585 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $5,000 | 7,379 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $194,000 | 3,835 |
| Total noninterest expense | $1,721,000 | 4,568 |
| Salaries and employee benefits | $787,000 | 5,185 |
| Premises and equipment expense | $289,000 | 3,941 |
| Additional noninterest expense | $645,000 | 3,796 |
| Pre-tax net operating income | $-1,278,000 | 8,502 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-492,000 | 8,549 |
| Income before extraordinary items | $-786,000 | 8,437 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-786,000 | 8,435 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 989 |
| Net operating income | $-786,000 | 8,426 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $236,000 | 8,399 |
| Total interest expense | $84,000 | 8,331 |
| Net interest income | $152,000 | 8,359 |
| Provision for loan and lease losses | $83,000 | 2,314 |
| Total noninterest income | $83,000 | 5,910 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $0 | 7,573 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $83,000 | 4,134 |
| Total noninterest expense | $809,000 | 4,776 |
| Salaries and employee benefits | $431,000 | 4,918 |
| Premises and equipment expense | $127,000 | 4,340 |
| Additional noninterest expense | $251,000 | 4,528 |
| Pre-tax net operating income | $-657,000 | 8,554 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $-252,000 | 8,580 |
| Income before extraordinary items | $-405,000 | 8,496 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-405,000 | 8,494 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 633 |
| Net operating income | $-405,000 | 8,488 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $98,000 | 8,664 |
| Total interest expense | $23,000 | 8,605 |
| Net interest income | $75,000 | 8,660 |
| Provision for loan and lease losses | $14,000 | 6,469 |
| Total noninterest income | $0 | 8,609 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $0 | 7,634 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $0 | 8,532 |
| Total noninterest expense | $1,544,000 | 6,812 |
| Salaries and employee benefits | $331,000 | 8,315 |
| Premises and equipment expense | $70,000 | 8,142 |
| Additional noninterest expense | $1,143,000 | 4,096 |
| Pre-tax net operating income | $-1,483,000 | 8,525 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $-571,000 | 8,589 |
| Income before extraordinary items | $-912,000 | 8,438 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-912,000 | 8,437 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $11,044,000 | 192 |
| Net operating income | $-912,000 | 8,427 |
* 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.