Home > Valley First National Bank > Income and Expense
Valley First National Bank, Income and Expense
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $9,100,000 | 3,387 |
| Total interest expense | $3,473,000 | 3,613 |
| Net interest income | $5,627,000 | 3,207 |
| Provision for loan and lease losses | $113,000 | 5,452 |
| Total noninterest income | $1,018,000 | 3,293 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $418,000 | 3,311 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $600,000 | 2,899 |
| Total noninterest expense | $3,807,000 | 3,639 |
| Salaries and employee benefits | $1,435,000 | 4,448 |
| Premises and equipment expense | $345,000 | 5,294 |
| Additional noninterest expense | $2,027,000 | 2,702 |
| Pre-tax net operating income | $2,725,000 | 2,514 |
| Securities gains (losses) | $-2,000 | 12,373 |
| Applicable income taxes | $694,000 | 3,142 |
| Income before extraordinary items | $2,029,000 | 2,473 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,029,000 | 2,561 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 7,654 |
| Cash dividends | $1,357,000 | 1,384 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,030,500 | 2,324 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $9,719,000 | 3,589 |
| Total interest expense | $4,361,000 | 3,762 |
| Net interest income | $5,358,000 | 3,403 |
| Provision for loan and lease losses | $144,000 | 6,224 |
| Total noninterest income | $641,000 | 4,728 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $357,000 | 3,838 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $284,000 | 4,582 |
| Total noninterest expense | $3,968,000 | 3,525 |
| Salaries and employee benefits | $1,418,000 | 4,445 |
| Premises and equipment expense | $329,000 | 5,606 |
| Additional noninterest expense | $2,221,000 | 2,563 |
| Pre-tax net operating income | $1,887,000 | 3,283 |
| Securities gains (losses) | $-3,000 | 12,949 |
| Applicable income taxes | $540,000 | 3,741 |
| Income before extraordinary items | $1,344,000 | 3,412 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,344,000 | 3,455 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 6,726 |
| Cash dividends | $1,644,000 | 1,007 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,346,130 | 3,165 |
* 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.