Home > Valley First National Bank of Ripon > Income and Expense
Valley First National Bank of Ripon, Income and Expense
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,738,000 | 6,049 |
| Total interest expense | $2,164,000 | 5,453 |
| Net interest income | $2,574,000 | 6,407 |
| Provision for loan and lease losses | $91,000 | 5,992 |
| Total noninterest income | $397,000 | 6,507 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $199,000 | 5,987 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $198,000 | 5,700 |
| Total noninterest expense | $1,675,000 | 7,272 |
| Salaries and employee benefits | $596,000 | 8,831 |
| Premises and equipment expense | $150,000 | 8,908 |
| Additional noninterest expense | $929,000 | 5,239 |
| Pre-tax net operating income | $1,205,000 | 5,165 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $391,000 | 5,093 |
| Income before extraordinary items | $814,000 | 5,494 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $814,000 | 5,627 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 8,388 |
| Cash dividends | $324,000 | 4,181 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $814,000 | 5,252 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,752,000 | 6,627 |
| Total interest expense | $2,420,000 | 6,140 |
| Net interest income | $2,332,000 | 6,929 |
| Provision for loan and lease losses | $40,000 | 9,471 |
| Total noninterest income | $265,000 | 8,252 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $159,000 | 6,884 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $106,000 | 7,856 |
| Total noninterest expense | $1,629,000 | 7,473 |
| Salaries and employee benefits | $565,000 | 9,128 |
| Premises and equipment expense | $120,000 | 10,011 |
| Additional noninterest expense | $944,000 | 5,303 |
| Pre-tax net operating income | $928,000 | 5,956 |
| Securities gains (losses) | $1,000 | 7,986 |
| Applicable income taxes | $245,000 | 6,743 |
| Income before extraordinary items | $684,000 | 6,021 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $684,000 | 6,094 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 10,474 |
| Cash dividends | $250,000 | 4,445 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $683,260 | 5,684 |
* 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.