Home > Valley Oaks National Bank > Income and Expense
Valley Oaks National Bank, Income and Expense
2000-12-31 (YTD Data) | Rank | |
Total interest income | $5,216,000 | 5,590 |
Total interest expense | $2,134,000 | 6,081 |
Net interest income | $3,082,000 | 5,056 |
Provision for loan and lease losses | $100,000 | 5,274 |
Total noninterest income | $780,000 | 3,718 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $26,000 | 8,160 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $754,000 | 2,235 |
Total noninterest expense | $2,520,000 | 4,828 |
Salaries and employee benefits | $1,368,000 | 4,703 |
Premises and equipment expense | $356,000 | 4,874 |
Additional noninterest expense | $796,000 | 4,764 |
Pre-tax net operating income | $1,242,000 | 4,640 |
Securities gains (losses) | $0 | 1,956 |
Applicable income taxes | $500,000 | 3,485 |
Income before extraordinary items | $742,000 | 5,259 |
Extraordinary gains, net | $0 | 38 |
Net income | $742,000 | 5,258 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $-3,000 | 8,877 |
Cash dividends | $0 | 6,853 |
Sale, conversion, retirement of capital stock, net | $20,000 | 853 |
Net operating income | $742,000 | 5,258 |
1999-12-31 (YTD Data) | Rank | |
Total interest income | $4,443,000 | 5,984 |
Total interest expense | $1,707,000 | 6,531 |
Net interest income | $2,736,000 | 5,495 |
Provision for loan and lease losses | $60,000 | 6,124 |
Total noninterest income | $688,000 | 4,034 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $26,000 | 8,370 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $662,000 | 2,464 |
Total noninterest expense | $2,234,000 | 5,279 |
Salaries and employee benefits | $1,231,000 | 5,070 |
Premises and equipment expense | $142,000 | 7,811 |
Additional noninterest expense | $861,000 | 4,537 |
Pre-tax net operating income | $1,130,000 | 4,952 |
Securities gains (losses) | $0 | 3,155 |
Applicable income taxes | $466,000 | 3,775 |
Income before extraordinary items | $664,000 | 5,616 |
Extraordinary gains, net | $0 | 35 |
Net income | $664,000 | 5,614 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $0 | 7,897 |
Cash dividends | $0 | 7,131 |
Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
Net operating income | $664,000 | 5,576 |
1998-12-31 (YTD Data) | Rank | |
Total interest income | $3,795,000 | 6,665 |
Total interest expense | $1,539,000 | 7,111 |
Net interest income | $2,256,000 | 6,200 |
Provision for loan and lease losses | $143,000 | 4,290 |
Total noninterest income | $699,000 | 3,991 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $24,000 | 8,631 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $675,000 | 2,458 |
Total noninterest expense | $1,935,000 | 5,716 |
Salaries and employee benefits | $1,086,000 | 5,460 |
Premises and equipment expense | $229,000 | 6,273 |
Additional noninterest expense | $620,000 | 5,623 |
Pre-tax net operating income | $877,000 | 5,817 |
Securities gains (losses) | $7,000 | 3,223 |
Applicable income taxes | $256,000 | 5,584 |
Income before extraordinary items | $628,000 | 5,916 |
Extraordinary gains, net | $0 | 32 |
Net income | $628,000 | 5,915 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $17,000 | 6,524 |
Cash dividends | $0 | 7,473 |
Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
Net operating income | $623,030 | 5,852 |
1997-12-31 (YTD Data) | Rank | |
Total interest income | $2,684,000 | 8,148 |
Total interest expense | $1,076,000 | 8,475 |
Net interest income | $1,608,000 | 7,751 |
Provision for loan and lease losses | $55,000 | 6,469 |
Total noninterest income | $294,000 | 6,705 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $20,000 | 9,132 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $274,000 | 4,129 |
Total noninterest expense | $1,489,000 | 6,813 |
Salaries and employee benefits | $668,000 | 7,501 |
Premises and equipment expense | $218,000 | 6,526 |
Additional noninterest expense | $603,000 | 5,786 |
Pre-tax net operating income | $358,000 | 8,687 |
Securities gains (losses) | $0 | 3,944 |
Applicable income taxes | $1,000 | 10,030 |
Income before extraordinary items | $357,000 | 7,936 |
Extraordinary gains, net | $0 | 44 |
Net income | $357,000 | 7,940 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $1,000 | 8,371 |
Cash dividends | $0 | 7,871 |
Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
Net operating income | $357,000 | 7,880 |
1996-12-31 (YTD Data) | Rank | |
Total interest income | $2,180,000 | 9,126 |
Total interest expense | $950,000 | 9,182 |
Net interest income | $1,230,000 | 8,967 |
Provision for loan and lease losses | $14,000 | 8,292 |
Total noninterest income | $159,000 | 8,869 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $16,000 | 9,652 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $143,000 | 6,112 |
Total noninterest expense | $1,100,000 | 8,329 |
Salaries and employee benefits | $515,000 | 8,754 |
Premises and equipment expense | $192,000 | 7,172 |
Additional noninterest expense | $393,000 | 7,935 |
Pre-tax net operating income | $275,000 | 9,292 |
Securities gains (losses) | $-47,000 | 11,013 |
Applicable income taxes | $1,000 | 10,529 |
Income before extraordinary items | $227,000 | 9,032 |
Extraordinary gains, net | $0 | 53 |
Net income | $227,000 | 9,036 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $4,000 | 8,146 |
Cash dividends | $0 | 8,336 |
Sale, conversion, retirement of capital stock, net | $0 | 953 |
Net operating income | $274,000 | 8,569 |
1995-12-31 (YTD Data) | Rank | |
Total interest income | $1,820,000 | 10,011 |
Total interest expense | $812,000 | 9,901 |
Net interest income | $1,008,000 | 9,922 |
Provision for loan and lease losses | $0 | 8,958 |
Total noninterest income | $112,000 | 10,027 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $11,000 | 10,169 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $101,000 | 7,205 |
Total noninterest expense | $1,009,000 | 8,912 |
Salaries and employee benefits | $492,000 | 9,184 |
Premises and equipment expense | $169,000 | 7,842 |
Additional noninterest expense | $348,000 | 8,711 |
Pre-tax net operating income | $111,000 | 11,021 |
Securities gains (losses) | $0 | 3,831 |
Applicable income taxes | $0 | 11,151 |
Income before extraordinary items | $111,000 | 10,833 |
Extraordinary gains, net | $0 | 65 |
Net income | $111,000 | 10,833 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $1,000 | 8,657 |
Cash dividends | $0 | 8,717 |
Sale, conversion, retirement of capital stock, net | $0 | 809 |
Net operating income | $111,000 | 10,806 |
1994-12-31 (YTD Data) | Rank | |
Total interest income | $1,407,000 | 10,918 |
Total interest expense | $501,000 | 11,095 |
Net interest income | $906,000 | 10,702 |
Provision for loan and lease losses | $15,000 | 8,073 |
Total noninterest income | $60,000 | 11,716 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $8,000 | 10,762 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $52,000 | 9,512 |
Total noninterest expense | $904,000 | 9,759 |
Salaries and employee benefits | $425,000 | 10,054 |
Premises and equipment expense | $165,000 | 8,185 |
Additional noninterest expense | $314,000 | 9,794 |
Pre-tax net operating income | $47,000 | 11,922 |
Securities gains (losses) | $0 | 3,600 |
Applicable income taxes | $1,000 | 11,577 |
Income before extraordinary items | $46,000 | 11,831 |
Extraordinary gains, net | $0 | 249 |
Net income | $46,000 | 11,834 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $0 | 8,921 |
Cash dividends | $0 | 8,932 |
Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
Net operating income | $46,000 | 11,866 |
1993-12-31 (YTD Data) | Rank | |
Total interest income | $990,000 | 12,317 |
Total interest expense | $360,000 | 12,402 |
Net interest income | $630,000 | 12,109 |
Provision for loan and lease losses | $114,000 | 5,447 |
Total noninterest income | $37,000 | 12,826 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $6,000 | 11,259 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $31,000 | 11,240 |
Total noninterest expense | $820,000 | 10,565 |
Salaries and employee benefits | $393,000 | 10,709 |
Premises and equipment expense | $165,000 | 8,511 |
Additional noninterest expense | $262,000 | 10,924 |
Pre-tax net operating income | $-267,000 | 12,745 |
Securities gains (losses) | $-14,000 | 12,848 |
Applicable income taxes | $1,000 | 12,075 |
Income before extraordinary items | $-282,000 | 12,816 |
Extraordinary gains, net | $0 | 3,149 |
Net income | $-282,000 | 12,822 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $0 | 9,922 |
Cash dividends | $0 | 9,081 |
Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
Net operating income | $-268,000 | 12,733 |
1992-12-31 (YTD Data) | Rank | |
Total interest income | $368,000 | 13,792 |
Total interest expense | $139,000 | 13,786 |
Net interest income | $229,000 | 13,736 |
Provision for loan and lease losses | $86,000 | 7,695 |
Total noninterest income | $11,000 | 13,789 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $2,000 | 11,730 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $9,000 | 13,414 |
Total noninterest expense | $919,000 | 10,370 |
Salaries and employee benefits | $286,000 | 12,181 |
Premises and equipment expense | $126,000 | 9,817 |
Additional noninterest expense | $507,000 | 8,391 |
Pre-tax net operating income | $-765,000 | 13,421 |
Securities gains (losses) | $0 | 8,369 |
Applicable income taxes | $2,000 | 12,604 |
Income before extraordinary items | $-767,000 | 13,488 |
Extraordinary gains, net | $0 | 1,422 |
Net income | $-767,000 | 13,485 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $0 | 11,197 |
Cash dividends | $0 | 8,912 |
Sale, conversion, retirement of capital stock, net | $2,834,000 | 258 |
Net operating income | $-767,000 | 13,399 |
* 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.