Home > Victory Bank and Trust Company > Income and Expense
Victory Bank and Trust Company, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $10,098,000 | 3,204 |
| Total interest expense | $4,834,000 | 3,075 |
| Net interest income | $5,264,000 | 3,308 |
| Provision for loan and lease losses | $292,000 | 2,684 |
| Total noninterest income | $797,000 | 3,575 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $333,000 | 3,754 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $464,000 | 2,977 |
| Total noninterest expense | $6,127,000 | 2,103 |
| Salaries and employee benefits | $2,372,000 | 2,789 |
| Premises and equipment expense | $715,000 | 2,683 |
| Additional noninterest expense | $3,040,000 | 1,423 |
| Pre-tax net operating income | $-358,000 | 10,673 |
| Securities gains (losses) | $3,000 | 3,097 |
| Applicable income taxes | $-86,000 | 10,691 |
| Income before extraordinary items | $-269,000 | 10,650 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-269,000 | 10,650 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 4,510 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-271,280 | 10,631 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,492,000 | 3,818 |
| Total interest expense | $4,365,000 | 3,415 |
| Net interest income | $4,127,000 | 4,208 |
| Provision for loan and lease losses | $355,000 | 2,296 |
| Total noninterest income | $511,000 | 5,081 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $241,000 | 4,950 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $270,000 | 4,328 |
| Total noninterest expense | $3,325,000 | 3,970 |
| Salaries and employee benefits | $1,826,000 | 3,622 |
| Premises and equipment expense | $489,000 | 3,845 |
| Additional noninterest expense | $1,009,000 | 4,378 |
| Pre-tax net operating income | $958,000 | 5,890 |
| Securities gains (losses) | $-18,000 | 10,586 |
| Applicable income taxes | $338,000 | 5,442 |
| Income before extraordinary items | $602,000 | 6,263 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $602,000 | 6,266 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 6,559 |
| Cash dividends | $8,000 | 8,240 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $613,520 | 6,132 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,330,000 | 4,968 |
| Total interest expense | $3,107,000 | 4,608 |
| Net interest income | $3,223,000 | 5,199 |
| Provision for loan and lease losses | $77,000 | 5,197 |
| Total noninterest income | $233,000 | 7,951 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $199,000 | 5,705 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $34,000 | 10,029 |
| Total noninterest expense | $2,329,000 | 5,296 |
| Salaries and employee benefits | $1,189,000 | 5,255 |
| Premises and equipment expense | $222,000 | 6,802 |
| Additional noninterest expense | $918,000 | 4,689 |
| Pre-tax net operating income | $1,050,000 | 5,795 |
| Securities gains (losses) | $12,000 | 2,250 |
| Applicable income taxes | $375,000 | 5,171 |
| Income before extraordinary items | $687,000 | 6,074 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $687,000 | 6,072 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 7,103 |
| Cash dividends | $12,000 | 8,525 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $679,200 | 6,096 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,330,000 | 6,322 |
| Total interest expense | $1,554,000 | 6,744 |
| Net interest income | $2,776,000 | 5,955 |
| Provision for loan and lease losses | $128,000 | 3,919 |
| Total noninterest income | $184,000 | 9,030 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $152,000 | 6,839 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 10,653 |
| Total noninterest expense | $1,758,000 | 6,809 |
| Salaries and employee benefits | $931,000 | 6,460 |
| Premises and equipment expense | $213,000 | 7,166 |
| Additional noninterest expense | $614,000 | 6,931 |
| Pre-tax net operating income | $1,074,000 | 5,666 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $392,000 | 4,832 |
| Income before extraordinary items | $682,000 | 6,013 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $682,000 | 6,028 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 5,032 |
| Cash dividends | $5,000 | 8,858 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $682,000 | 6,087 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,417,000 | 7,646 |
| Total interest expense | $1,183,000 | 8,326 |
| Net interest income | $2,234,000 | 7,081 |
| Provision for loan and lease losses | $192,000 | 4,009 |
| Total noninterest income | $174,000 | 9,724 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $155,000 | 6,967 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 12,117 |
| Total noninterest expense | $1,380,000 | 8,247 |
| Salaries and employee benefits | $700,000 | 7,999 |
| Premises and equipment expense | $224,000 | 7,205 |
| Additional noninterest expense | $456,000 | 8,657 |
| Pre-tax net operating income | $836,000 | 6,638 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $309,000 | 5,964 |
| Income before extraordinary items | $527,000 | 7,332 |
| Extraordinary gains, net | $7,000 | 3,012 |
| Net income | $534,000 | 7,449 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 8,470 |
| Cash dividends | $418,000 | 3,544 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $527,000 | 7,078 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,178,000 | 8,673 |
| Total interest expense | $1,285,000 | 9,298 |
| Net interest income | $1,893,000 | 8,065 |
| Provision for loan and lease losses | $160,000 | 5,897 |
| Total noninterest income | $154,000 | 10,423 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $134,000 | 7,552 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 12,557 |
| Total noninterest expense | $1,198,000 | 9,044 |
| Salaries and employee benefits | $593,000 | 8,865 |
| Premises and equipment expense | $197,000 | 7,902 |
| Additional noninterest expense | $408,000 | 9,464 |
| Pre-tax net operating income | $689,000 | 7,164 |
| Securities gains (losses) | $50,000 | 4,121 |
| Applicable income taxes | $288,000 | 6,101 |
| Income before extraordinary items | $451,000 | 7,726 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $451,000 | 7,844 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 12,539 |
| Cash dividends | $187,000 | 5,261 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $419,000 | 7,676 |
* 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.