Home > Vectra Bank > Income and Expense
Vectra Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $49,246,000 | 702 |
| Total interest expense | $19,710,000 | 838 |
| Net interest income | $29,536,000 | 620 |
| Provision for loan and lease losses | $851,000 | 1,128 |
| Total noninterest income | $5,795,000 | 831 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $2,840,000 | 469 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $2,955,000 | 849 |
| Total noninterest expense | $21,650,000 | 694 |
| Salaries and employee benefits | $12,727,000 | 533 |
| Premises and equipment expense | $2,994,000 | 692 |
| Additional noninterest expense | $5,929,000 | 859 |
| Pre-tax net operating income | $12,830,000 | 652 |
| Securities gains (losses) | $-5,924,000 | 10,918 |
| Applicable income taxes | $2,521,000 | 1,091 |
| Income before extraordinary items | $4,385,000 | 1,246 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $4,385,000 | 1,247 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $249,000 | 2,214 |
| Cash dividends | $2,300,000 | 1,150 |
| Sale, conversion, retirement of capital stock, net | $9,018,000 | 100 |
| Net operating income | $8,176,360 | 681 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $37,843,000 | 925 |
| Total interest expense | $15,028,000 | 1,092 |
| Net interest income | $22,815,000 | 814 |
| Provision for loan and lease losses | $916,000 | 1,090 |
| Total noninterest income | $5,324,000 | 909 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $2,658,000 | 517 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $2,666,000 | 954 |
| Total noninterest expense | $17,764,000 | 880 |
| Salaries and employee benefits | $10,218,000 | 689 |
| Premises and equipment expense | $2,560,000 | 854 |
| Additional noninterest expense | $4,986,000 | 1,138 |
| Pre-tax net operating income | $9,459,000 | 829 |
| Securities gains (losses) | $-348,000 | 11,351 |
| Applicable income taxes | $3,091,000 | 853 |
| Income before extraordinary items | $6,020,000 | 887 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $6,020,000 | 889 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $517,000 | 1,387 |
| Cash dividends | $1,400,000 | 1,660 |
| Sale, conversion, retirement of capital stock, net | $-1,000 | 11,281 |
| Net operating income | $6,249,680 | 839 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $28,108,000 | 1,217 |
| Total interest expense | $13,434,000 | 1,238 |
| Net interest income | $14,674,000 | 1,227 |
| Provision for loan and lease losses | $668,000 | 1,254 |
| Total noninterest income | $4,567,000 | 1,015 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $1,956,000 | 694 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $2,611,000 | 962 |
| Total noninterest expense | $14,156,000 | 1,057 |
| Salaries and employee benefits | $7,347,000 | 931 |
| Premises and equipment expense | $1,988,000 | 1,062 |
| Additional noninterest expense | $4,821,000 | 1,152 |
| Pre-tax net operating income | $4,417,000 | 1,663 |
| Securities gains (losses) | $248,000 | 591 |
| Applicable income taxes | $1,646,000 | 1,518 |
| Income before extraordinary items | $3,019,000 | 1,687 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $3,019,000 | 1,686 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $257,000 | 2,149 |
| Cash dividends | $1,057,000 | 1,934 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,857,800 | 1,747 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $20,496,000 | 1,511 |
| Total interest expense | $8,199,000 | 1,560 |
| Net interest income | $12,297,000 | 1,469 |
| Provision for loan and lease losses | $809,000 | 1,075 |
| Total noninterest income | $3,450,000 | 1,220 |
| Gross Fiduciary activities income | $2,000 | 1,559 |
| Service charges on deposit accounts | $1,638,000 | 804 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,810,000 | 1,209 |
| Total noninterest expense | $11,035,000 | 1,333 |
| Salaries and employee benefits | $5,679,000 | 1,190 |
| Premises and equipment expense | $1,564,000 | 1,338 |
| Additional noninterest expense | $3,792,000 | 1,481 |
| Pre-tax net operating income | $3,903,000 | 1,826 |
| Securities gains (losses) | $-28,000 | 10,602 |
| Applicable income taxes | $596,000 | 3,535 |
| Income before extraordinary items | $3,279,000 | 1,502 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $3,279,000 | 1,503 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,101,000 | 816 |
| Cash dividends | $200,000 | 5,405 |
| Sale, conversion, retirement of capital stock, net | $1,250,000 | 380 |
| Net operating income | $3,302,800 | 1,507 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $12,728,000 | 2,425 |
| Total interest expense | $4,032,000 | 3,151 |
| Net interest income | $8,696,000 | 2,074 |
| Provision for loan and lease losses | $586,000 | 1,894 |
| Total noninterest income | $3,064,000 | 1,435 |
| Gross Fiduciary activities income | $6,000 | 1,545 |
| Service charges on deposit accounts | $1,817,000 | 742 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,241,000 | 1,775 |
| Total noninterest expense | $10,451,000 | 1,463 |
| Salaries and employee benefits | $3,825,000 | 1,753 |
| Premises and equipment expense | $1,362,000 | 1,550 |
| Additional noninterest expense | $5,264,000 | 1,230 |
| Pre-tax net operating income | $722,000 | 7,242 |
| Securities gains (losses) | $175,000 | 1,831 |
| Applicable income taxes | $-77,000 | 12,923 |
| Income before extraordinary items | $975,000 | 4,786 |
| Extraordinary gains, net | $1,319,000 | 183 |
| Net income | $2,294,000 | 2,267 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $246,000 | 2,771 |
| Cash dividends | $793,000 | 2,182 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $800,000 | 5,336 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $8,250,000 | 4,185 |
| Total interest expense | $2,775,000 | 5,508 |
| Net interest income | $5,475,000 | 3,344 |
| Provision for loan and lease losses | $265,000 | 4,453 |
| Total noninterest income | $2,010,000 | 1,924 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $1,190,000 | 1,105 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $820,000 | 2,280 |
| Total noninterest expense | $5,901,000 | 2,457 |
| Salaries and employee benefits | $1,844,000 | 3,465 |
| Premises and equipment expense | $863,000 | 2,396 |
| Additional noninterest expense | $3,194,000 | 1,900 |
| Pre-tax net operating income | $1,319,000 | 4,562 |
| Securities gains (losses) | $95,000 | 3,090 |
| Applicable income taxes | $448,000 | 4,381 |
| Income before extraordinary items | $966,000 | 4,648 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $966,000 | 4,698 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $295,000 | 3,368 |
| Cash dividends | $331,000 | 3,780 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $901,400 | 4,612 |
* 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.