Home > Valley State Bank > Income and Expense
Valley State Bank, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,225,000 | 5,803 |
| Total interest expense | $2,637,000 | 5,329 |
| Net interest income | $2,588,000 | 6,152 |
| Provision for loan and lease losses | $60,000 | 5,704 |
| Total noninterest income | $215,000 | 8,205 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $160,000 | 6,449 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $55,000 | 8,981 |
| Total noninterest expense | $1,229,000 | 8,114 |
| Salaries and employee benefits | $639,000 | 8,123 |
| Premises and equipment expense | $97,000 | 9,693 |
| Additional noninterest expense | $493,000 | 7,308 |
| Pre-tax net operating income | $1,514,000 | 4,425 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $523,000 | 4,052 |
| Income before extraordinary items | $991,000 | 4,663 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $991,000 | 4,662 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 5,105 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $991,000 | 4,631 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,574,000 | 6,070 |
| Total interest expense | $2,184,000 | 5,195 |
| Net interest income | $2,390,000 | 6,681 |
| Provision for loan and lease losses | $765,000 | 1,136 |
| Total noninterest income | $503,000 | 5,272 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $188,000 | 6,107 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $315,000 | 3,948 |
| Total noninterest expense | $1,719,000 | 6,933 |
| Salaries and employee benefits | $712,000 | 7,781 |
| Premises and equipment expense | $367,000 | 4,912 |
| Additional noninterest expense | $640,000 | 6,737 |
| Pre-tax net operating income | $409,000 | 9,292 |
| Securities gains (losses) | $-537,000 | 12,267 |
| Applicable income taxes | $-29,000 | 12,154 |
| Income before extraordinary items | $-99,000 | 12,156 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-99,000 | 12,157 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $298,000 | 1,911 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $314,490 | 9,050 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,116,000 | 6,730 |
| Total interest expense | $1,876,000 | 6,146 |
| Net interest income | $2,240,000 | 7,060 |
| Provision for loan and lease losses | $305,000 | 2,944 |
| Total noninterest income | $338,000 | 7,176 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $171,000 | 6,580 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $167,000 | 6,217 |
| Total noninterest expense | $1,552,000 | 7,641 |
| Salaries and employee benefits | $767,000 | 7,518 |
| Premises and equipment expense | $168,000 | 8,425 |
| Additional noninterest expense | $617,000 | 7,189 |
| Pre-tax net operating income | $721,000 | 7,250 |
| Securities gains (losses) | $112,000 | 2,338 |
| Applicable income taxes | $348,000 | 5,524 |
| Income before extraordinary items | $485,000 | 7,674 |
| Extraordinary gains, net | $14,000 | 2,843 |
| Net income | $499,000 | 7,760 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $227,000 | 2,895 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $413,320 | 8,025 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,621,000 | 8,013 |
| Total interest expense | $1,728,000 | 7,823 |
| Net interest income | $1,893,000 | 8,065 |
| Provision for loan and lease losses | $115,000 | 6,913 |
| Total noninterest income | $332,000 | 7,326 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $176,000 | 6,484 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $156,000 | 6,504 |
| Total noninterest expense | $1,196,000 | 9,054 |
| Salaries and employee benefits | $621,000 | 8,632 |
| Premises and equipment expense | $135,000 | 9,539 |
| Additional noninterest expense | $440,000 | 9,096 |
| Pre-tax net operating income | $914,000 | 6,018 |
| Securities gains (losses) | $10,000 | 6,439 |
| Applicable income taxes | $356,000 | 5,267 |
| Income before extraordinary items | $568,000 | 6,792 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $568,000 | 6,880 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 9,186 |
| Cash dividends | $150,000 | 5,711 |
| Sale, conversion, retirement of capital stock, net | $1,775,000 | 326 |
| Net operating income | $561,600 | 6,487 |
* 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.