Home > Valley Commercial Bank > Income and Expense
Valley Commercial Bank, Income and Expense
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,726,000 | 7,224 |
| Total interest expense | $1,400,000 | 7,537 |
| Net interest income | $2,326,000 | 6,881 |
| Provision for loan and lease losses | $120,000 | 5,200 |
| Total noninterest income | $414,000 | 6,336 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $290,000 | 4,551 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $124,000 | 7,197 |
| Total noninterest expense | $1,448,000 | 8,012 |
| Salaries and employee benefits | $735,000 | 7,747 |
| Premises and equipment expense | $177,000 | 8,214 |
| Additional noninterest expense | $536,000 | 7,902 |
| Pre-tax net operating income | $1,172,000 | 5,270 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $395,000 | 5,055 |
| Income before extraordinary items | $777,000 | 5,689 |
| Extraordinary gains, net | $-14,000 | 12,384 |
| Net income | $763,000 | 5,909 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 6,815 |
| Cash dividends | $170,000 | 5,821 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $777,000 | 5,456 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,898,000 | 7,646 |
| Total interest expense | $1,599,000 | 8,203 |
| Net interest income | $2,299,000 | 7,010 |
| Provision for loan and lease losses | $120,000 | 6,707 |
| Total noninterest income | $450,000 | 6,075 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $300,000 | 4,436 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $150,000 | 6,642 |
| Total noninterest expense | $1,408,000 | 8,255 |
| Salaries and employee benefits | $731,000 | 7,763 |
| Premises and equipment expense | $176,000 | 8,414 |
| Additional noninterest expense | $501,000 | 8,449 |
| Pre-tax net operating income | $1,221,000 | 4,850 |
| Securities gains (losses) | $1,000 | 7,986 |
| Applicable income taxes | $350,000 | 5,355 |
| Income before extraordinary items | $872,000 | 5,037 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $872,000 | 5,088 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-65,000 | 13,594 |
| Cash dividends | $115,000 | 6,307 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $871,290 | 4,734 |
* 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.