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First Valley Bank, Income and Expense

1996-12-31 (YTD Data)Rank
Total interest income$9,675,0003,380
Total interest expense$3,830,0003,870
Net interest income$5,845,0003,031
Provision for loan and lease losses$09,041
Total noninterest income$933,0003,309
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$436,0003,094
Trading account gains and fees$0262
Additional Noninterest Income$497,0002,934
Total noninterest expense$4,308,0003,131
Salaries and employee benefits$1,990,0003,348
Premises and equipment expense$770,0002,547
Additional noninterest expense$1,548,0003,044
Pre-tax net operating income$2,470,0002,794
Securities gains (losses)$04,148
Applicable income taxes$877,0002,638
Income before extraordinary items$1,593,0003,014
Extraordinary gains, net$053
Net income$1,593,0003,016
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$37,0005,845
Cash dividends$203,0005,368
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,593,0002,984
1995-12-31 (YTD Data)Rank
Total interest income$9,496,0003,446
Total interest expense$4,090,0003,612
Net interest income$5,406,0003,285
Provision for loan and lease losses$08,958
Total noninterest income$974,0003,159
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$525,0002,570
Trading account gains and fees$0522
Additional Noninterest Income$449,0003,073
Total noninterest expense$4,065,0003,277
Salaries and employee benefits$1,998,0003,310
Premises and equipment expense$665,0002,940
Additional noninterest expense$1,402,0003,258
Pre-tax net operating income$2,315,0003,064
Securities gains (losses)$-7,0009,876
Applicable income taxes$797,0002,879
Income before extraordinary items$1,511,0003,230
Extraordinary gains, net$065
Net income$1,511,0003,228
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-21,00011,045
Cash dividends$166,0005,884
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,515,5503,200
1994-12-31 (YTD Data)Rank
Total interest income$8,375,0003,581
Total interest expense$2,802,0004,200
Net interest income$5,573,0003,219
Provision for loan and lease losses$280,0002,395
Total noninterest income$900,0003,359
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$506,0002,706
Trading account gains and fees$0475
Additional Noninterest Income$394,0003,436
Total noninterest expense$4,255,0003,224
Salaries and employee benefits$1,932,0003,392
Premises and equipment expense$668,0002,949
Additional noninterest expense$1,655,0003,038
Pre-tax net operating income$1,938,0003,519
Securities gains (losses)$03,600
Applicable income taxes$665,0003,213
Income before extraordinary items$1,273,0003,657
Extraordinary gains, net$0249
Net income$1,273,0003,666
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$182,0002,648
Cash dividends$146,0006,190
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,273,0003,698
1993-12-31 (YTD Data)Rank
Total interest income$8,563,0003,586
Total interest expense$3,239,0003,856
Net interest income$5,324,0003,370
Provision for loan and lease losses$325,0002,832
Total noninterest income$1,051,0003,222
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$522,0002,668
Trading account gains and fees$0532
Additional Noninterest Income$529,0003,143
Total noninterest expense$4,178,0003,343
Salaries and employee benefits$1,781,0003,644
Premises and equipment expense$696,0002,895
Additional noninterest expense$1,701,0003,134
Pre-tax net operating income$1,872,0003,537
Securities gains (losses)$07,477
Applicable income taxes$652,0003,336
Income before extraordinary items$1,220,0003,952
Extraordinary gains, net$-154,00013,009
Net income$1,066,0004,562
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$297,0002,488
Cash dividends$124,0006,485
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$1,220,0003,743
1992-12-31 (YTD Data)Rank
Total interest income$8,894,0003,893
Total interest expense$4,027,0004,055
Net interest income$4,867,0003,741
Provision for loan and lease losses$570,0002,721
Total noninterest income$1,092,0003,077
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$506,0002,743
Trading account gains and fees$0504
Additional Noninterest Income$586,0002,867
Total noninterest expense$3,920,0003,570
Salaries and employee benefits$1,711,0003,745
Premises and equipment expense$757,0002,743
Additional noninterest expense$1,452,0003,698
Pre-tax net operating income$1,469,0004,115
Securities gains (losses)$08,369
Applicable income taxes$503,0003,982
Income before extraordinary items$966,0004,648
Extraordinary gains, net$01,422
Net income$966,0004,698
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$415,0002,762
Cash dividends$124,0006,153
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$966,0004,324

* 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.