Home > Valley Savings Bank > Income and Expense
Valley Savings Bank, Income and Expense
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $23,498,000 | 1,355 |
| Total interest expense | $10,515,000 | 1,283 |
| Net interest income | $12,983,000 | 1,394 |
| Provision for loan and lease losses | $110,000 | 5,504 |
| Total noninterest income | $1,243,000 | 2,827 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $331,000 | 4,067 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $912,000 | 2,172 |
| Total noninterest expense | $7,167,000 | 2,046 |
| Salaries and employee benefits | $3,488,000 | 1,919 |
| Premises and equipment expense | $704,000 | 2,863 |
| Additional noninterest expense | $2,975,000 | 1,926 |
| Pre-tax net operating income | $6,949,000 | 1,021 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $2,265,000 | 1,083 |
| Income before extraordinary items | $4,684,000 | 1,112 |
| Extraordinary gains, net | $781,000 | 285 |
| Net income | $5,465,000 | 980 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $158,000 | 3,569 |
| Cash dividends | $690,000 | 2,412 |
| Sale, conversion, retirement of capital stock, net | $249,000 | 743 |
| Net operating income | $4,684,000 | 1,034 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $24,729,000 | 1,476 |
| Total interest expense | $12,997,000 | 1,363 |
| Net interest income | $11,732,000 | 1,569 |
| Provision for loan and lease losses | $580,000 | 2,690 |
| Total noninterest income | $1,017,000 | 3,273 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $267,000 | 4,878 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $750,000 | 2,404 |
| Total noninterest expense | $7,607,000 | 1,948 |
| Salaries and employee benefits | $3,510,000 | 1,875 |
| Premises and equipment expense | $741,000 | 2,787 |
| Additional noninterest expense | $3,356,000 | 1,809 |
| Pre-tax net operating income | $4,562,000 | 1,399 |
| Securities gains (losses) | $290,000 | 1,565 |
| Applicable income taxes | $1,485,000 | 1,466 |
| Income before extraordinary items | $3,367,000 | 1,381 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $3,367,000 | 1,387 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,875,000 | 997 |
| Cash dividends | $1,900,000 | 903 |
| Sale, conversion, retirement of capital stock, net | $221,000 | 707 |
| Net operating income | $3,166,900 | 1,364 |
* 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.