Home > Village Bank & Trust, S.S.B. > Income and Expense
Village Bank & Trust, S.S.B., Income and Expense
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,953,000 | 4,304 |
| Total interest expense | $917,000 | 3,867 |
| Net interest income | $2,036,000 | 4,418 |
| Provision for loan and lease losses | $-16,000 | 8,883 |
| Total noninterest income | $357,000 | 4,375 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $61,000 | 6,212 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $296,000 | 3,009 |
| Total noninterest expense | $1,982,000 | 3,760 |
| Salaries and employee benefits | $1,060,000 | 3,805 |
| Premises and equipment expense | $304,000 | 3,518 |
| Additional noninterest expense | $618,000 | 3,658 |
| Pre-tax net operating income | $427,000 | 5,698 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $97,000 | 4,885 |
| Income before extraordinary items | $330,000 | 5,826 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $330,000 | 5,826 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 4,323 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $330,000 | 5,740 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,480,000 | 4,308 |
| Total interest expense | $474,000 | 3,810 |
| Net interest income | $1,006,000 | 4,456 |
| Provision for loan and lease losses | $-45,000 | 8,998 |
| Total noninterest income | $179,000 | 4,333 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $32,000 | 6,092 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $147,000 | 2,983 |
| Total noninterest expense | $945,000 | 3,934 |
| Salaries and employee benefits | $506,000 | 3,970 |
| Premises and equipment expense | $146,000 | 3,659 |
| Additional noninterest expense | $293,000 | 3,808 |
| Pre-tax net operating income | $285,000 | 4,928 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $97,000 | 3,835 |
| Income before extraordinary items | $188,000 | 5,491 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $188,000 | 5,490 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-68,000 | 8,905 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $188,000 | 5,373 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,102,000 | 4,269 |
| Total interest expense | $1,940,000 | 4,121 |
| Net interest income | $4,162,000 | 4,242 |
| Provision for loan and lease losses | $10,000 | 7,370 |
| Total noninterest income | $1,707,000 | 2,583 |
| Gross Fiduciary activities income | $13,000 | 1,317 |
| Service charges on deposit accounts | $78,000 | 6,931 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,616,000 | 1,722 |
| Total noninterest expense | $4,439,000 | 3,385 |
| Salaries and employee benefits | $2,568,000 | 3,202 |
| Premises and equipment expense | $855,000 | 2,595 |
| Additional noninterest expense | $1,016,000 | 4,215 |
| Pre-tax net operating income | $1,420,000 | 4,263 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $416,000 | 3,701 |
| Income before extraordinary items | $1,004,000 | 4,641 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,004,000 | 4,642 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 4,052 |
| Cash dividends | $1,000,000 | 2,290 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,004,000 | 4,467 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,576,000 | 4,317 |
| Total interest expense | $1,474,000 | 4,199 |
| Net interest income | $3,102,000 | 4,281 |
| Provision for loan and lease losses | $15,000 | 6,935 |
| Total noninterest income | $1,570,000 | 2,280 |
| Gross Fiduciary activities income | $12,000 | 1,259 |
| Service charges on deposit accounts | $52,000 | 7,162 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,506,000 | 1,529 |
| Total noninterest expense | $3,478,000 | 3,250 |
| Salaries and employee benefits | $2,098,000 | 2,964 |
| Premises and equipment expense | $669,000 | 2,519 |
| Additional noninterest expense | $711,000 | 4,425 |
| Pre-tax net operating income | $1,179,000 | 4,124 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $401,000 | 3,414 |
| Income before extraordinary items | $778,000 | 4,681 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $778,000 | 4,682 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 5,184 |
| Cash dividends | $1,000,000 | 1,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $778,000 | 4,496 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,103,000 | 4,298 |
| Total interest expense | $985,000 | 4,290 |
| Net interest income | $2,118,000 | 4,215 |
| Provision for loan and lease losses | $15,000 | 6,544 |
| Total noninterest income | $1,245,000 | 1,998 |
| Gross Fiduciary activities income | $12,000 | 1,199 |
| Service charges on deposit accounts | $37,000 | 7,065 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,196,000 | 1,342 |
| Total noninterest expense | $2,483,000 | 3,067 |
| Salaries and employee benefits | $1,518,000 | 2,749 |
| Premises and equipment expense | $485,000 | 2,314 |
| Additional noninterest expense | $480,000 | 4,376 |
| Pre-tax net operating income | $865,000 | 3,858 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $294,000 | 3,281 |
| Income before extraordinary items | $571,000 | 4,438 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $571,000 | 4,437 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 4,382 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $571,000 | 4,220 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,557,000 | 4,310 |
| Total interest expense | $506,000 | 4,308 |
| Net interest income | $1,051,000 | 4,246 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $645,000 | 1,892 |
| Gross Fiduciary activities income | $8,000 | 1,157 |
| Service charges on deposit accounts | $17,000 | 7,137 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $620,000 | 1,264 |
| Total noninterest expense | $1,306,000 | 2,929 |
| Salaries and employee benefits | $806,000 | 2,604 |
| Premises and equipment expense | $244,000 | 2,295 |
| Additional noninterest expense | $256,000 | 4,131 |
| Pre-tax net operating income | $390,000 | 4,092 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $132,000 | 3,455 |
| Income before extraordinary items | $258,000 | 4,634 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $258,000 | 4,634 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 3,174 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $258,000 | 4,426 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,612,000 | 3,798 |
| Total interest expense | $2,504,000 | 4,093 |
| Net interest income | $5,108,000 | 3,606 |
| Provision for loan and lease losses | $200,000 | 4,344 |
| Total noninterest income | $2,159,000 | 2,003 |
| Gross Fiduciary activities income | $47,000 | 1,119 |
| Service charges on deposit accounts | $54,000 | 7,458 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,058,000 | 1,280 |
| Total noninterest expense | $5,378,000 | 2,737 |
| Salaries and employee benefits | $3,290,000 | 2,421 |
| Premises and equipment expense | $987,000 | 2,208 |
| Additional noninterest expense | $1,101,000 | 3,877 |
| Pre-tax net operating income | $1,689,000 | 3,808 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $681,000 | 2,905 |
| Income before extraordinary items | $1,008,000 | 4,565 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,008,000 | 4,565 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,133 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,008,000 | 4,449 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,342,000 | 3,877 |
| Total interest expense | $3,995,000 | 3,795 |
| Net interest income | $4,347,000 | 3,870 |
| Provision for loan and lease losses | $357,000 | 2,872 |
| Total noninterest income | $1,273,000 | 2,816 |
| Gross Fiduciary activities income | $35,000 | 1,201 |
| Service charges on deposit accounts | $49,000 | 7,631 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,189,000 | 1,816 |
| Total noninterest expense | $4,525,000 | 3,078 |
| Salaries and employee benefits | $2,905,000 | 2,581 |
| Premises and equipment expense | $586,000 | 3,431 |
| Additional noninterest expense | $1,034,000 | 3,951 |
| Pre-tax net operating income | $738,000 | 5,694 |
| Securities gains (losses) | $3,000 | 4,114 |
| Applicable income taxes | $259,000 | 4,561 |
| Income before extraordinary items | $482,000 | 6,165 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $482,000 | 6,166 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,531 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $3,113,000 | 247 |
| Net operating income | $480,050 | 6,046 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,341,000 | 5,492 |
| Total interest expense | $2,727,000 | 5,273 |
| Net interest income | $2,614,000 | 5,646 |
| Provision for loan and lease losses | $234,000 | 3,423 |
| Total noninterest income | $464,000 | 5,108 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $32,000 | 8,033 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $432,000 | 3,194 |
| Total noninterest expense | $2,350,000 | 5,076 |
| Salaries and employee benefits | $1,463,000 | 4,446 |
| Premises and equipment expense | $289,000 | 5,539 |
| Additional noninterest expense | $598,000 | 5,809 |
| Pre-tax net operating income | $494,000 | 7,033 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $48,000 | 7,270 |
| Income before extraordinary items | $446,000 | 6,603 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $446,000 | 6,601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,468 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 536 |
| Net operating income | $446,000 | 6,621 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $498,000 | 9,974 |
| Total interest expense | $192,000 | 9,943 |
| Net interest income | $306,000 | 9,950 |
| Provision for loan and lease losses | $79,000 | 5,701 |
| Total noninterest income | $108,000 | 8,699 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,000 | 8,846 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $107,000 | 6,470 |
| Total noninterest expense | $683,000 | 9,076 |
| Salaries and employee benefits | $386,000 | 8,960 |
| Premises and equipment expense | $98,000 | 8,667 |
| Additional noninterest expense | $199,000 | 9,033 |
| Pre-tax net operating income | $-348,000 | 9,745 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-348,000 | 9,807 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-348,000 | 9,807 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,495 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $5,000,000 | 244 |
| Net operating income | $-348,000 | 9,785 |
* 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.