Home > Virginia First Savings, FSB > Income and Expense
Virginia First Savings, FSB, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $68,849,000 | 541 |
| Total interest expense | $37,535,000 | 494 |
| Net interest income | $31,314,000 | 589 |
| Provision for loan and lease losses | $6,961,000 | 271 |
| Total noninterest income | $12,123,000 | 495 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $12,123,000 | 367 |
| Total noninterest expense | $37,870,000 | 418 |
| Salaries and employee benefits | $14,823,000 | 466 |
| Premises and equipment expense | $7,858,000 | 299 |
| Additional noninterest expense | $15,189,000 | 410 |
| Pre-tax net operating income | $-1,394,000 | 10,878 |
| Securities gains (losses) | $-1,272,000 | 10,901 |
| Applicable income taxes | $-831,000 | 10,879 |
| Income before extraordinary items | $-1,835,000 | 10,885 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-1,835,000 | 10,885 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,862,000 | 528 |
| Cash dividends | $698,000 | 2,813 |
| Sale, conversion, retirement of capital stock, net | $2,186,000 | 361 |
| Net operating income | $-957,320 | 10,838 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $61,518,000 | 623 |
| Total interest expense | $33,413,000 | 561 |
| Net interest income | $28,105,000 | 690 |
| Provision for loan and lease losses | $2,641,000 | 496 |
| Total noninterest income | $12,119,000 | 525 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $12,119,000 | 384 |
| Total noninterest expense | $24,900,000 | 648 |
| Salaries and employee benefits | $11,239,000 | 626 |
| Premises and equipment expense | $4,756,000 | 483 |
| Additional noninterest expense | $8,905,000 | 733 |
| Pre-tax net operating income | $12,683,000 | 650 |
| Securities gains (losses) | $3,830,000 | 96 |
| Applicable income taxes | $5,924,000 | 518 |
| Income before extraordinary items | $10,589,000 | 550 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $10,589,000 | 552 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $150,000 | 3,170 |
| Cash dividends | $564,000 | 3,173 |
| Sale, conversion, retirement of capital stock, net | $487,000 | 475 |
| Net operating income | $8,137,800 | 672 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $56,763,000 | 689 |
| Total interest expense | $31,469,000 | 626 |
| Net interest income | $25,294,000 | 770 |
| Provision for loan and lease losses | $1,747,000 | 633 |
| Total noninterest income | $6,740,000 | 786 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $6,740,000 | 547 |
| Total noninterest expense | $18,164,000 | 860 |
| Salaries and employee benefits | $9,130,000 | 771 |
| Premises and equipment expense | $4,212,000 | 571 |
| Additional noninterest expense | $4,822,000 | 1,151 |
| Pre-tax net operating income | $12,123,000 | 708 |
| Securities gains (losses) | $1,253,000 | 185 |
| Applicable income taxes | $5,111,000 | 603 |
| Income before extraordinary items | $8,265,000 | 704 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $8,265,000 | 704 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,787,000 | 614 |
| Cash dividends | $410,000 | 3,790 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $7,463,080 | 764 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $46,811,000 | 741 |
| Total interest expense | $23,282,000 | 632 |
| Net interest income | $23,529,000 | 808 |
| Provision for loan and lease losses | $1,087,000 | 873 |
| Total noninterest income | $7,068,000 | 737 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-180,000 | 4,892 |
| Additional Noninterest Income | $7,248,000 | 510 |
| Total noninterest expense | $20,240,000 | 802 |
| Salaries and employee benefits | $11,455,000 | 626 |
| Premises and equipment expense | $4,062,000 | 575 |
| Additional noninterest expense | $4,723,000 | 1,230 |
| Pre-tax net operating income | $9,270,000 | 844 |
| Securities gains (losses) | $1,454,000 | 122 |
| Applicable income taxes | $3,837,000 | 706 |
| Income before extraordinary items | $6,887,000 | 774 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $6,887,000 | 773 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 4,622 |
| Cash dividends | $455,000 | 3,424 |
| Sale, conversion, retirement of capital stock, net | $351,000 | 608 |
| Net operating income | $5,956,440 | 884 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $40,396,000 | 827 |
| Total interest expense | $20,939,000 | 692 |
| Net interest income | $19,457,000 | 949 |
| Provision for loan and lease losses | $1,219,000 | 1,145 |
| Total noninterest income | $6,952,000 | 772 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $46,000 | 330 |
| Additional Noninterest Income | $6,906,000 | 539 |
| Total noninterest expense | $21,161,000 | 801 |
| Salaries and employee benefits | $11,819,000 | 621 |
| Premises and equipment expense | $3,700,000 | 640 |
| Additional noninterest expense | $5,642,000 | 1,150 |
| Pre-tax net operating income | $4,029,000 | 1,712 |
| Securities gains (losses) | $6,144,000 | 124 |
| Applicable income taxes | $2,453,000 | 1,025 |
| Income before extraordinary items | $7,720,000 | 681 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $7,720,000 | 705 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $221,000 | 2,945 |
| Cash dividends | $66,000 | 7,589 |
| Sale, conversion, retirement of capital stock, net | $16,000 | 1,105 |
| Net operating income | $3,050,560 | 1,569 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $41,359,000 | 918 |
| Total interest expense | $25,120,000 | 746 |
| Net interest income | $16,239,000 | 1,152 |
| Provision for loan and lease losses | $1,245,000 | 1,599 |
| Total noninterest income | $3,322,000 | 1,317 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-61,000 | 5,253 |
| Additional Noninterest Income | $3,383,000 | 874 |
| Total noninterest expense | $17,126,000 | 966 |
| Salaries and employee benefits | $9,569,000 | 730 |
| Premises and equipment expense | $2,859,000 | 830 |
| Additional noninterest expense | $4,698,000 | 1,403 |
| Pre-tax net operating income | $1,190,000 | 4,942 |
| Securities gains (losses) | $4,579,000 | 227 |
| Applicable income taxes | $2,553,000 | 903 |
| Income before extraordinary items | $3,216,000 | 1,445 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $3,216,000 | 1,455 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 7,501 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $285,440 | 9,105 |
* 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.