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Valley Commercial Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$1,999,000	9,379
Total interest expense	$572,000	10,368
Net interest income	$1,427,000	8,447
Provision for loan and lease losses	$80,000	5,594
Total noninterest income	$129,000	9,376
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$95,000	7,601
Trading account gains and fees	NA	NA
Additional Noninterest Income	$34,000	9,653
Total noninterest expense	$1,206,000	7,968
Salaries and employee benefits	$589,000	8,208
Premises and equipment expense	$151,000	8,033
Additional noninterest expense	$466,000	7,338
Pre-tax net operating income	$270,000	9,331
Securities gains (losses)	$0	4,148
Applicable income taxes	$99,000	8,762
Income before extraordinary items	$171,000	9,589
Extraordinary gains, net	$0	53
Net income	$171,000	9,590
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	8,146
Cash dividends	$47,000	7,606
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$171,000	9,532
1995-12-31 (YTD Data)		Rank
Total interest income	$1,529,000	10,477
Total interest expense	$360,000	11,449
Net interest income	$1,169,000	9,427
Provision for loan and lease losses	$14,000	8,034
Total noninterest income	$121,000	9,841
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$86,000	8,152
Trading account gains and fees	NA	NA
Additional Noninterest Income	$35,000	9,970
Total noninterest expense	$860,000	9,506
Salaries and employee benefits	$525,000	8,900
Premises and equipment expense	$126,000	8,898
Additional noninterest expense	$209,000	10,316
Pre-tax net operating income	$416,000	8,963
Securities gains (losses)	$0	3,831
Applicable income taxes	$109,000	9,000
Income before extraordinary items	$307,000	8,868
Extraordinary gains, net	$0	65
Net income	$307,000	8,872
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	10,004
Cash dividends	$67,000	7,445
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$307,000	8,837
1994-12-31 (YTD Data)		Rank
Total interest income	$1,262,000	11,217
Total interest expense	$298,000	12,046
Net interest income	$964,000	10,507
Provision for loan and lease losses	$0	9,146
Total noninterest income	$110,000	10,520
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$82,000	8,618
Trading account gains and fees	NA	NA
Additional Noninterest Income	$28,000	10,920
Total noninterest expense	$810,000	10,202
Salaries and employee benefits	$472,000	9,639
Premises and equipment expense	$123,000	9,301
Additional noninterest expense	$215,000	10,959
Pre-tax net operating income	$264,000	10,384
Securities gains (losses)	$0	3,600
Applicable income taxes	$66,000	10,095
Income before extraordinary items	$198,000	10,303
Extraordinary gains, net	$0	249
Net income	$198,000	10,305
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-4,000	10,341
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$198,000	10,348
1993-12-31 (YTD Data)		Rank
Total interest income	$1,088,000	12,101
Total interest expense	$325,000	12,562
Net interest income	$763,000	11,647
Provision for loan and lease losses	$0	10,371
Total noninterest income	$109,000	11,107
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$81,000	8,972
Trading account gains and fees	NA	NA
Additional Noninterest Income	$28,000	11,437
Total noninterest expense	$711,000	11,107
Salaries and employee benefits	$383,000	10,808
Premises and equipment expense	$119,000	9,813
Additional noninterest expense	$209,000	11,604
Pre-tax net operating income	$161,000	11,396
Securities gains (losses)	$0	7,477
Applicable income taxes	$30,000	11,384
Income before extraordinary items	$131,000	11,442
Extraordinary gains, net	$0	3,149
Net income	$131,000	11,507
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-32,000	12,404
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$131,000	11,230
1992-12-31 (YTD Data)		Rank
Total interest income	$1,172,000	12,664
Total interest expense	$453,000	12,956
Net interest income	$719,000	12,239
Provision for loan and lease losses	$32,000	9,896
Total noninterest income	$129,000	10,953
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$96,000	8,631
Trading account gains and fees	NA	NA
Additional Noninterest Income	$33,000	11,562
Total noninterest expense	$697,000	11,533
Salaries and employee benefits	$322,000	11,769
Premises and equipment expense	$158,000	8,881
Additional noninterest expense	$217,000	12,004
Pre-tax net operating income	$119,000	11,819
Securities gains (losses)	$0	8,369
Applicable income taxes	$24,000	11,995
Income before extraordinary items	$95,000	12,005
Extraordinary gains, net	$0	1,422
Net income	$95,000	12,072
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	8,849
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$95,000	11,703

* 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.