Home > Vista Bank > Income and Expense
Vista Bank, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $48,791,000 | 716 |
| Total interest expense | $22,162,000 | 745 |
| Net interest income | $26,629,000 | 669 |
| Provision for loan and lease losses | $900,000 | 1,348 |
| Total noninterest income | $4,978,000 | 1,001 |
| Gross Fiduciary activities income | $435,000 | 637 |
| Service charges on deposit accounts | $2,993,000 | 499 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,550,000 | 1,484 |
| Total noninterest expense | $18,103,000 | 832 |
| Salaries and employee benefits | $6,633,000 | 1,118 |
| Premises and equipment expense | $3,204,000 | 674 |
| Additional noninterest expense | $8,266,000 | 654 |
| Pre-tax net operating income | $12,604,000 | 618 |
| Securities gains (losses) | $252,000 | 1,017 |
| Applicable income taxes | $3,885,000 | 666 |
| Income before extraordinary items | $8,971,000 | 627 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $8,971,000 | 629 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $691,000 | 1,230 |
| Cash dividends | $4,790,000 | 644 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $8,794,600 | 609 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $50,184,000 | 724 |
| Total interest expense | $24,687,000 | 735 |
| Net interest income | $25,497,000 | 699 |
| Provision for loan and lease losses | $1,263,000 | 876 |
| Total noninterest income | $4,407,000 | 1,013 |
| Gross Fiduciary activities income | $337,000 | 696 |
| Service charges on deposit accounts | $2,787,000 | 486 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,283,000 | 1,577 |
| Total noninterest expense | $17,890,000 | 814 |
| Salaries and employee benefits | $6,346,000 | 1,108 |
| Premises and equipment expense | $3,110,000 | 675 |
| Additional noninterest expense | $8,434,000 | 655 |
| Pre-tax net operating income | $10,751,000 | 738 |
| Securities gains (losses) | $-222,000 | 9,585 |
| Applicable income taxes | $3,200,000 | 786 |
| Income before extraordinary items | $7,329,000 | 741 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $7,329,000 | 741 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $363,000 | 1,588 |
| Cash dividends | $2,905,000 | 996 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $7,484,400 | 727 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $31,062,000 | 1,053 |
| Total interest expense | $14,345,000 | 1,056 |
| Net interest income | $16,717,000 | 1,046 |
| Provision for loan and lease losses | $778,000 | 1,219 |
| Total noninterest income | $3,112,000 | 1,315 |
| Gross Fiduciary activities income | $322,000 | 759 |
| Service charges on deposit accounts | $1,691,000 | 787 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,099,000 | 1,747 |
| Total noninterest expense | $11,049,000 | 1,252 |
| Salaries and employee benefits | $4,186,000 | 1,645 |
| Premises and equipment expense | $1,882,000 | 1,076 |
| Additional noninterest expense | $4,981,000 | 956 |
| Pre-tax net operating income | $8,002,000 | 995 |
| Securities gains (losses) | $-4,000 | 9,004 |
| Applicable income taxes | $2,564,000 | 997 |
| Income before extraordinary items | $5,434,000 | 1,017 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $5,434,000 | 1,017 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $253,000 | 2,062 |
| Cash dividends | $2,835,000 | 1,027 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $5,436,720 | 1,000 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $28,867,000 | 1,126 |
| Total interest expense | $13,656,000 | 1,129 |
| Net interest income | $15,211,000 | 1,110 |
| Provision for loan and lease losses | $540,000 | 1,625 |
| Total noninterest income | $2,269,000 | 1,666 |
| Gross Fiduciary activities income | $310,000 | 771 |
| Service charges on deposit accounts | $1,427,000 | 863 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $532,000 | 2,865 |
| Total noninterest expense | $10,666,000 | 1,240 |
| Salaries and employee benefits | $4,215,000 | 1,573 |
| Premises and equipment expense | $1,690,000 | 1,139 |
| Additional noninterest expense | $4,761,000 | 980 |
| Pre-tax net operating income | $6,274,000 | 1,187 |
| Securities gains (losses) | $219,000 | 876 |
| Applicable income taxes | $2,101,000 | 1,204 |
| Income before extraordinary items | $4,392,000 | 1,217 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $4,392,000 | 1,216 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $375,000 | 1,582 |
| Cash dividends | $1,835,000 | 1,432 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 559 |
| Net operating income | $4,243,080 | 1,213 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $27,755,000 | 1,208 |
| Total interest expense | $13,853,000 | 1,168 |
| Net interest income | $13,902,000 | 1,248 |
| Provision for loan and lease losses | $540,000 | 1,667 |
| Total noninterest income | $2,017,000 | 1,751 |
| Gross Fiduciary activities income | $249,000 | 847 |
| Service charges on deposit accounts | $1,428,000 | 889 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $340,000 | 3,645 |
| Total noninterest expense | $9,680,000 | 1,357 |
| Salaries and employee benefits | $4,540,000 | 1,439 |
| Premises and equipment expense | $1,548,000 | 1,270 |
| Additional noninterest expense | $3,592,000 | 1,224 |
| Pre-tax net operating income | $5,699,000 | 1,362 |
| Securities gains (losses) | $195,000 | 718 |
| Applicable income taxes | $2,032,000 | 1,307 |
| Income before extraordinary items | $3,862,000 | 1,413 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,862,000 | 1,414 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $538,000 | 1,270 |
| Cash dividends | $1,625,000 | 1,515 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $3,733,300 | 1,417 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $25,832,000 | 1,318 |
| Total interest expense | $12,646,000 | 1,276 |
| Net interest income | $13,186,000 | 1,359 |
| Provision for loan and lease losses | $260,000 | 2,872 |
| Total noninterest income | $2,075,000 | 1,786 |
| Gross Fiduciary activities income | $199,000 | 973 |
| Service charges on deposit accounts | $1,409,000 | 943 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $467,000 | 3,070 |
| Total noninterest expense | $9,659,000 | 1,477 |
| Salaries and employee benefits | $4,199,000 | 1,594 |
| Premises and equipment expense | $1,341,000 | 1,509 |
| Additional noninterest expense | $4,119,000 | 1,326 |
| Pre-tax net operating income | $5,342,000 | 1,339 |
| Securities gains (losses) | $21,000 | 1,959 |
| Applicable income taxes | $1,818,000 | 1,341 |
| Income before extraordinary items | $3,545,000 | 1,396 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,545,000 | 1,398 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $349,000 | 1,858 |
| Cash dividends | $1,471,000 | 1,614 |
| Sale, conversion, retirement of capital stock, net | $1,500,000 | 335 |
| Net operating income | $3,531,140 | 1,366 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $23,953,000 | 1,433 |
| Total interest expense | $11,313,000 | 1,442 |
| Net interest income | $12,640,000 | 1,420 |
| Provision for loan and lease losses | $60,000 | 5,704 |
| Total noninterest income | $1,804,000 | 1,993 |
| Gross Fiduciary activities income | $155,000 | 1,056 |
| Service charges on deposit accounts | $1,285,000 | 1,042 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $364,000 | 3,514 |
| Total noninterest expense | $8,768,000 | 1,620 |
| Salaries and employee benefits | $3,954,000 | 1,677 |
| Premises and equipment expense | $1,278,000 | 1,589 |
| Additional noninterest expense | $3,536,000 | 1,472 |
| Pre-tax net operating income | $5,616,000 | 1,361 |
| Securities gains (losses) | $-30,000 | 10,836 |
| Applicable income taxes | $1,984,000 | 1,282 |
| Income before extraordinary items | $3,602,000 | 1,446 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $3,602,000 | 1,443 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $198,000 | 2,514 |
| Cash dividends | $1,009,000 | 1,999 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $3,621,200 | 1,411 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $21,013,000 | 1,470 |
| Total interest expense | $8,424,000 | 1,530 |
| Net interest income | $12,589,000 | 1,432 |
| Provision for loan and lease losses | $300,000 | 2,237 |
| Total noninterest income | $1,708,000 | 2,075 |
| Gross Fiduciary activities income | $121,000 | 1,136 |
| Service charges on deposit accounts | $1,122,000 | 1,178 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $465,000 | 3,091 |
| Total noninterest expense | $9,200,000 | 1,597 |
| Salaries and employee benefits | $4,074,000 | 1,644 |
| Premises and equipment expense | $1,210,000 | 1,708 |
| Additional noninterest expense | $3,916,000 | 1,433 |
| Pre-tax net operating income | $4,797,000 | 1,520 |
| Securities gains (losses) | $-46,000 | 10,966 |
| Applicable income taxes | $1,662,000 | 1,412 |
| Income before extraordinary items | $3,089,000 | 1,582 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $3,089,000 | 1,583 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $220,000 | 2,336 |
| Cash dividends | $930,000 | 2,036 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $3,118,900 | 1,581 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $21,193,000 | 1,483 |
| Total interest expense | $9,142,000 | 1,465 |
| Net interest income | $12,051,000 | 1,501 |
| Provision for loan and lease losses | $400,000 | 2,455 |
| Total noninterest income | $1,722,000 | 2,194 |
| Gross Fiduciary activities income | $122,000 | 1,170 |
| Service charges on deposit accounts | $1,090,000 | 1,237 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $510,000 | 3,234 |
| Total noninterest expense | $8,823,000 | 1,712 |
| Salaries and employee benefits | $3,614,000 | 1,855 |
| Premises and equipment expense | $1,238,000 | 1,691 |
| Additional noninterest expense | $3,971,000 | 1,531 |
| Pre-tax net operating income | $4,550,000 | 1,537 |
| Securities gains (losses) | $180,000 | 1,805 |
| Applicable income taxes | $1,780,000 | 1,348 |
| Income before extraordinary items | $2,950,000 | 1,705 |
| Extraordinary gains, net | $64,000 | 1,977 |
| Net income | $3,014,000 | 1,737 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $402,000 | 2,048 |
| Cash dividends | $851,000 | 2,026 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,834,800 | 1,666 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $22,143,000 | 1,620 |
| Total interest expense | $11,571,000 | 1,527 |
| Net interest income | $10,572,000 | 1,739 |
| Provision for loan and lease losses | $855,000 | 2,065 |
| Total noninterest income | $1,448,000 | 2,464 |
| Gross Fiduciary activities income | $100,000 | 1,253 |
| Service charges on deposit accounts | $904,000 | 1,494 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $444,000 | 3,468 |
| Total noninterest expense | $7,930,000 | 1,901 |
| Salaries and employee benefits | $3,217,000 | 2,044 |
| Premises and equipment expense | $1,290,000 | 1,653 |
| Additional noninterest expense | $3,423,000 | 1,785 |
| Pre-tax net operating income | $3,235,000 | 1,922 |
| Securities gains (losses) | $480,000 | 1,118 |
| Applicable income taxes | $1,287,000 | 1,639 |
| Income before extraordinary items | $2,428,000 | 1,879 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,428,000 | 1,907 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $372,000 | 2,949 |
| Cash dividends | $734,000 | 2,056 |
| Sale, conversion, retirement of capital stock, net | $1,330,000 | 372 |
| Net operating income | $2,116,000 | 1,994 |
* 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.