Home > Valley Oaks National Bank > Income and Expense

Valley Oaks National Bank, Income and Expense

2000-12-31 (YTD Data)Rank
Total interest income$5,216,0005,590
Total interest expense$2,134,0006,081
Net interest income$3,082,0005,056
Provision for loan and lease losses$100,0005,274
Total noninterest income$780,0003,718
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$26,0008,160
Trading account gains and feesNANA
Additional Noninterest Income$754,0002,235
Total noninterest expense$2,520,0004,828
Salaries and employee benefits$1,368,0004,703
Premises and equipment expense$356,0004,874
Additional noninterest expense$796,0004,764
Pre-tax net operating income$1,242,0004,640
Securities gains (losses)$01,956
Applicable income taxes$500,0003,485
Income before extraordinary items$742,0005,259
Extraordinary gains, net$038
Net income$742,0005,258
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-3,0008,877
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$20,000853
Net operating income$742,0005,258
1999-12-31 (YTD Data)Rank
Total interest income$4,443,0005,984
Total interest expense$1,707,0006,531
Net interest income$2,736,0005,495
Provision for loan and lease losses$60,0006,124
Total noninterest income$688,0004,034
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$26,0008,370
Trading account gains and feesNANA
Additional Noninterest Income$662,0002,464
Total noninterest expense$2,234,0005,279
Salaries and employee benefits$1,231,0005,070
Premises and equipment expense$142,0007,811
Additional noninterest expense$861,0004,537
Pre-tax net operating income$1,130,0004,952
Securities gains (losses)$03,155
Applicable income taxes$466,0003,775
Income before extraordinary items$664,0005,616
Extraordinary gains, net$035
Net income$664,0005,614
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,897
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$664,0005,576
1998-12-31 (YTD Data)Rank
Total interest income$3,795,0006,665
Total interest expense$1,539,0007,111
Net interest income$2,256,0006,200
Provision for loan and lease losses$143,0004,290
Total noninterest income$699,0003,991
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$24,0008,631
Trading account gains and feesNANA
Additional Noninterest Income$675,0002,458
Total noninterest expense$1,935,0005,716
Salaries and employee benefits$1,086,0005,460
Premises and equipment expense$229,0006,273
Additional noninterest expense$620,0005,623
Pre-tax net operating income$877,0005,817
Securities gains (losses)$7,0003,223
Applicable income taxes$256,0005,584
Income before extraordinary items$628,0005,916
Extraordinary gains, net$032
Net income$628,0005,915
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$17,0006,524
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$623,0305,852
1997-12-31 (YTD Data)Rank
Total interest income$2,684,0008,148
Total interest expense$1,076,0008,475
Net interest income$1,608,0007,751
Provision for loan and lease losses$55,0006,469
Total noninterest income$294,0006,705
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$20,0009,132
Trading account gains and feesNANA
Additional Noninterest Income$274,0004,129
Total noninterest expense$1,489,0006,813
Salaries and employee benefits$668,0007,501
Premises and equipment expense$218,0006,526
Additional noninterest expense$603,0005,786
Pre-tax net operating income$358,0008,687
Securities gains (losses)$03,944
Applicable income taxes$1,00010,030
Income before extraordinary items$357,0007,936
Extraordinary gains, net$044
Net income$357,0007,940
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,0008,371
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$357,0007,880
1996-12-31 (YTD Data)Rank
Total interest income$2,180,0009,126
Total interest expense$950,0009,182
Net interest income$1,230,0008,967
Provision for loan and lease losses$14,0008,292
Total noninterest income$159,0008,869
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$16,0009,652
Trading account gains and feesNANA
Additional Noninterest Income$143,0006,112
Total noninterest expense$1,100,0008,329
Salaries and employee benefits$515,0008,754
Premises and equipment expense$192,0007,172
Additional noninterest expense$393,0007,935
Pre-tax net operating income$275,0009,292
Securities gains (losses)$-47,00011,013
Applicable income taxes$1,00010,529
Income before extraordinary items$227,0009,032
Extraordinary gains, net$053
Net income$227,0009,036
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$4,0008,146
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$274,0008,569
1995-12-31 (YTD Data)Rank
Total interest income$1,820,00010,011
Total interest expense$812,0009,901
Net interest income$1,008,0009,922
Provision for loan and lease losses$08,958
Total noninterest income$112,00010,027
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$11,00010,169
Trading account gains and feesNANA
Additional Noninterest Income$101,0007,205
Total noninterest expense$1,009,0008,912
Salaries and employee benefits$492,0009,184
Premises and equipment expense$169,0007,842
Additional noninterest expense$348,0008,711
Pre-tax net operating income$111,00011,021
Securities gains (losses)$03,831
Applicable income taxes$011,151
Income before extraordinary items$111,00010,833
Extraordinary gains, net$065
Net income$111,00010,833
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,0008,657
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$111,00010,806
1994-12-31 (YTD Data)Rank
Total interest income$1,407,00010,918
Total interest expense$501,00011,095
Net interest income$906,00010,702
Provision for loan and lease losses$15,0008,073
Total noninterest income$60,00011,716
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$8,00010,762
Trading account gains and feesNANA
Additional Noninterest Income$52,0009,512
Total noninterest expense$904,0009,759
Salaries and employee benefits$425,00010,054
Premises and equipment expense$165,0008,185
Additional noninterest expense$314,0009,794
Pre-tax net operating income$47,00011,922
Securities gains (losses)$03,600
Applicable income taxes$1,00011,577
Income before extraordinary items$46,00011,831
Extraordinary gains, net$0249
Net income$46,00011,834
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,921
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$46,00011,866
1993-12-31 (YTD Data)Rank
Total interest income$990,00012,317
Total interest expense$360,00012,402
Net interest income$630,00012,109
Provision for loan and lease losses$114,0005,447
Total noninterest income$37,00012,826
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$6,00011,259
Trading account gains and feesNANA
Additional Noninterest Income$31,00011,240
Total noninterest expense$820,00010,565
Salaries and employee benefits$393,00010,709
Premises and equipment expense$165,0008,511
Additional noninterest expense$262,00010,924
Pre-tax net operating income$-267,00012,745
Securities gains (losses)$-14,00012,848
Applicable income taxes$1,00012,075
Income before extraordinary items$-282,00012,816
Extraordinary gains, net$03,149
Net income$-282,00012,822
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$09,922
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$-268,00012,733
1992-12-31 (YTD Data)Rank
Total interest income$368,00013,792
Total interest expense$139,00013,786
Net interest income$229,00013,736
Provision for loan and lease losses$86,0007,695
Total noninterest income$11,00013,789
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$2,00011,730
Trading account gains and feesNANA
Additional Noninterest Income$9,00013,414
Total noninterest expense$919,00010,370
Salaries and employee benefits$286,00012,181
Premises and equipment expense$126,0009,817
Additional noninterest expense$507,0008,391
Pre-tax net operating income$-765,00013,421
Securities gains (losses)$08,369
Applicable income taxes$2,00012,604
Income before extraordinary items$-767,00013,488
Extraordinary gains, net$01,422
Net income$-767,00013,485
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$011,197
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$2,834,000258
Net operating income$-767,00013,399

* 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.