Home > Valatie Savings and Loan Association > Income and Expense
Valatie Savings and Loan Association, Income and Expense
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $434,000 | 12,452 |
| Total interest expense | $169,000 | 12,405 |
| Net interest income | $265,000 | 12,449 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $4,000 | 12,516 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $4,000 | 12,414 |
| Total noninterest expense | $139,000 | 12,569 |
| Salaries and employee benefits | $110,000 | 12,491 |
| Premises and equipment expense | $29,000 | 12,238 |
| Additional noninterest expense | $0 | 12,605 |
| Pre-tax net operating income | $130,000 | 11,412 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $16,000 | 11,243 |
| Income before extraordinary items | $114,000 | 11,226 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $114,000 | 11,233 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $114,000 | 11,275 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $516,000 | 13,044 |
| Total interest expense | $184,000 | 13,031 |
| Net interest income | $332,000 | 12,948 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $7,000 | 13,190 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $7,000 | 12,927 |
| Total noninterest expense | $146,000 | 13,232 |
| Salaries and employee benefits | $103,000 | 13,167 |
| Premises and equipment expense | $36,000 | 12,671 |
| Additional noninterest expense | $7,000 | 13,275 |
| Pre-tax net operating income | $193,000 | 11,104 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $78,000 | 10,260 |
| Income before extraordinary items | $115,000 | 11,643 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $115,000 | 11,696 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $115,000 | 11,445 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $398,000 | 13,777 |
| Total interest expense | $230,000 | 13,648 |
| Net interest income | $168,000 | 13,799 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $3,000 | 13,855 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $3,000 | 13,771 |
| Total noninterest expense | $131,000 | 13,876 |
| Salaries and employee benefits | $99,000 | 13,791 |
| Premises and equipment expense | $32,000 | 13,348 |
| Additional noninterest expense | $0 | 13,923 |
| Pre-tax net operating income | $40,000 | 12,476 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $10,000 | 12,372 |
| Income before extraordinary items | $30,000 | 12,709 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $30,000 | 12,705 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $30,000 | 12,466 |
* 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.