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Victory State Bank, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$1,047,0009,812
Total interest expense$474,0009,742
Net interest income$573,0009,793
Provision for loan and lease losses$347,0002,331
Total noninterest income$180,0007,819
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$171,0005,591
Trading account gains and feesNANA
Additional Noninterest Income$9,00010,010
Total noninterest expense$1,202,0007,541
Salaries and employee benefits$465,0008,570
Premises and equipment expense$205,0006,629
Additional noninterest expense$532,0006,219
Pre-tax net operating income$-796,00010,297
Securities gains (losses)$-2,0009,897
Applicable income taxes$09,340
Income before extraordinary items$-798,00010,332
Extraordinary gains, net$032
Net income$-798,00010,327
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$352,0001,656
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$-55,00010,327
Net operating income$-796,00010,309
1997-12-31 (YTD Data)Rank
Total interest income$1,266,0009,970
Total interest expense$531,00010,021
Net interest income$735,0009,847
Provision for loan and lease losses$112,0004,932
Total noninterest income$192,0007,937
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$186,0005,559
Trading account gains and feesNANA
Additional Noninterest Income$6,00010,622
Total noninterest expense$1,314,0007,283
Salaries and employee benefits$695,0007,340
Premises and equipment expense$170,0007,382
Additional noninterest expense$449,0006,934
Pre-tax net operating income$-499,00010,746
Securities gains (losses)$03,944
Applicable income taxes$010,065
Income before extraordinary items$-499,00010,759
Extraordinary gains, net$044
Net income$-499,00010,759
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$41,0005,460
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$55,000833
Net operating income$-499,00010,740
1996-12-31 (YTD Data)Rank
Total interest income$1,242,00010,470
Total interest expense$467,00010,696
Net interest income$775,00010,175
Provision for loan and lease losses$09,041
Total noninterest income$206,0008,145
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$199,0005,581
Trading account gains and feesNANA
Additional Noninterest Income$7,00011,116
Total noninterest expense$1,096,0008,340
Salaries and employee benefits$649,0007,848
Premises and equipment expense$170,0007,625
Additional noninterest expense$277,0009,113
Pre-tax net operating income$-115,00010,978
Securities gains (losses)$30,0001,690
Applicable income taxes$-1,00010,892
Income before extraordinary items$-84,00010,974
Extraordinary gains, net$053
Net income$-84,00010,973
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-39,00010,948
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$-113,70010,977
1995-12-31 (YTD Data)Rank
Total interest income$1,152,00011,034
Total interest expense$448,00011,194
Net interest income$704,00010,828
Provision for loan and lease losses$08,958
Total noninterest income$224,0008,081
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$221,0005,323
Trading account gains and feesNANA
Additional Noninterest Income$3,00011,841
Total noninterest expense$1,001,0008,947
Salaries and employee benefits$587,0008,444
Premises and equipment expense$146,0008,373
Additional noninterest expense$268,0009,622
Pre-tax net operating income$-73,00011,580
Securities gains (losses)$03,831
Applicable income taxes$1,00011,102
Income before extraordinary items$-74,00011,587
Extraordinary gains, net$065
Net income$-74,00011,586
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-2,00010,004
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$-74,00011,564
1994-12-31 (YTD Data)Rank
Total interest income$1,105,00011,520
Total interest expense$322,00011,946
Net interest income$783,00011,108
Provision for loan and lease losses$2,0009,032
Total noninterest income$220,0008,385
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$215,0005,588
Trading account gains and feesNANA
Additional Noninterest Income$5,00012,349
Total noninterest expense$931,0009,630
Salaries and employee benefits$519,0009,219
Premises and equipment expense$152,0008,497
Additional noninterest expense$260,00010,401
Pre-tax net operating income$70,00011,806
Securities gains (losses)$03,600
Applicable income taxes$-2,00012,041
Income before extraordinary items$72,00011,639
Extraordinary gains, net$0249
Net income$72,00011,648
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-15,00011,066
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$72,00011,681
1993-12-31 (YTD Data)Rank
Total interest income$1,015,00012,254
Total interest expense$301,00012,676
Net interest income$714,00011,818
Provision for loan and lease losses$5,00010,098
Total noninterest income$509,0005,533
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$273,0004,780
Trading account gains and feesNANA
Additional Noninterest Income$236,0005,167
Total noninterest expense$1,047,0009,532
Salaries and employee benefits$578,0008,992
Premises and equipment expense$149,0008,943
Additional noninterest expense$320,00010,194
Pre-tax net operating income$171,00011,309
Securities gains (losses)$07,477
Applicable income taxes$8,00011,870
Income before extraordinary items$163,00011,048
Extraordinary gains, net$03,149
Net income$163,00011,137
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$15,0008,132
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$5,0001,167
Net operating income$163,00010,839
1992-12-31 (YTD Data)Rank
Total interest income$1,168,00012,671
Total interest expense$418,00013,119
Net interest income$750,00012,116
Provision for loan and lease losses$011,756
Total noninterest income$335,0007,288
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$253,0005,084
Trading account gains and feesNANA
Additional Noninterest Income$82,0008,755
Total noninterest expense$1,051,0009,741
Salaries and employee benefits$511,0009,674
Premises and equipment expense$213,0007,557
Additional noninterest expense$327,00010,471
Pre-tax net operating income$34,00012,509
Securities gains (losses)$95,0003,090
Applicable income taxes$-3,00013,367
Income before extraordinary items$132,00011,516
Extraordinary gains, net$01,422
Net income$132,00011,598
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$178,0004,468
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$103,000822
Net operating income$37,00012,413

* 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.