Home > Valley Savings Bank, FSB > Income and Expense
Valley Savings Bank, FSB, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,044,000 | 3,944 |
| Total interest expense | $4,916,000 | 3,034 |
| Net interest income | $3,128,000 | 5,130 |
| Provision for loan and lease losses | $-100,000 | 10,770 |
| Total noninterest income | $932,000 | 3,224 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $932,000 | 1,825 |
| Total noninterest expense | $2,372,000 | 4,993 |
| Salaries and employee benefits | $1,251,000 | 4,927 |
| Premises and equipment expense | $475,000 | 3,879 |
| Additional noninterest expense | $646,000 | 5,527 |
| Pre-tax net operating income | $1,788,000 | 3,884 |
| Securities gains (losses) | $15,000 | 2,081 |
| Applicable income taxes | $603,000 | 3,651 |
| Income before extraordinary items | $1,200,000 | 4,063 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,200,000 | 4,063 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 4,171 |
| Cash dividends | $575,000 | 3,187 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,189,950 | 4,020 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,491,000 | 4,289 |
| Total interest expense | $4,430,000 | 3,367 |
| Net interest income | $3,061,000 | 5,352 |
| Provision for loan and lease losses | $6,000 | 8,753 |
| Total noninterest income | $970,000 | 3,199 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $970,000 | 1,853 |
| Total noninterest expense | $3,009,000 | 4,301 |
| Salaries and employee benefits | $1,222,000 | 5,114 |
| Premises and equipment expense | $334,000 | 5,180 |
| Additional noninterest expense | $1,453,000 | 3,209 |
| Pre-tax net operating income | $1,016,000 | 5,678 |
| Securities gains (losses) | $16,000 | 2,154 |
| Applicable income taxes | $336,000 | 5,456 |
| Income before extraordinary items | $696,000 | 5,776 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $696,000 | 5,777 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,500 |
| Cash dividends | $360,000 | 4,121 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $685,280 | 5,766 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,951,000 | 4,586 |
| Total interest expense | $3,844,000 | 3,803 |
| Net interest income | $3,107,000 | 5,351 |
| Provision for loan and lease losses | $14,000 | 8,034 |
| Total noninterest income | $674,000 | 4,202 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $674,000 | 2,352 |
| Total noninterest expense | $2,110,000 | 5,754 |
| Salaries and employee benefits | $986,000 | 6,138 |
| Premises and equipment expense | $427,000 | 4,282 |
| Additional noninterest expense | $697,000 | 5,874 |
| Pre-tax net operating income | $1,657,000 | 4,100 |
| Securities gains (losses) | $21,000 | 1,877 |
| Applicable income taxes | $595,000 | 3,680 |
| Income before extraordinary items | $1,083,000 | 4,307 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,083,000 | 4,304 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 3,672 |
| Cash dividends | $350,000 | 4,167 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $1,069,350 | 4,344 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,290,000 | 4,661 |
| Total interest expense | $3,176,000 | 3,759 |
| Net interest income | $3,114,000 | 5,450 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $551,000 | 4,944 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $551,000 | 2,764 |
| Total noninterest expense | $2,068,000 | 6,033 |
| Salaries and employee benefits | $853,000 | 6,909 |
| Premises and equipment expense | $365,000 | 4,937 |
| Additional noninterest expense | $850,000 | 5,424 |
| Pre-tax net operating income | $1,597,000 | 4,183 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $541,000 | 3,815 |
| Income before extraordinary items | $1,056,000 | 4,321 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,056,000 | 4,322 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,562 |
| Cash dividends | $25,000 | 8,461 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,056,000 | 4,387 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,414,000 | 4,667 |
| Total interest expense | $3,280,000 | 3,804 |
| Net interest income | $3,134,000 | 5,466 |
| Provision for loan and lease losses | $37,000 | 8,073 |
| Total noninterest income | $553,000 | 5,233 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $553,000 | 3,044 |
| Total noninterest expense | $1,933,000 | 6,512 |
| Salaries and employee benefits | $729,000 | 7,787 |
| Premises and equipment expense | $513,000 | 3,773 |
| Additional noninterest expense | $691,000 | 6,630 |
| Pre-tax net operating income | $1,717,000 | 3,853 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $571,000 | 3,747 |
| Income before extraordinary items | $1,146,000 | 4,185 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,146,000 | 4,308 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 5,571 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,146,000 | 3,979 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,308,000 | 5,271 |
| Total interest expense | $3,731,000 | 4,318 |
| Net interest income | $2,577,000 | 6,440 |
| Provision for loan and lease losses | $76,000 | 8,040 |
| Total noninterest income | $387,000 | 6,670 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $387,000 | 3,783 |
| Total noninterest expense | $1,899,000 | 6,665 |
| Salaries and employee benefits | $769,000 | 7,475 |
| Premises and equipment expense | $487,000 | 4,060 |
| Additional noninterest expense | $643,000 | 7,154 |
| Pre-tax net operating income | $989,000 | 5,674 |
| Securities gains (losses) | $52,000 | 4,050 |
| Applicable income taxes | $193,000 | 7,695 |
| Income before extraordinary items | $848,000 | 5,123 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $848,000 | 5,181 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 5,971 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $805,880 | 5,030 |
* 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.