Home > Valencia Bank & Trust > Income and Expense
Valencia Bank & Trust, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $14,846,000 | 2,308 |
| Total interest expense | $5,070,000 | 3,116 |
| Net interest income | $9,776,000 | 1,821 |
| Provision for loan and lease losses | $480,000 | 2,273 |
| Total noninterest income | $2,969,000 | 1,484 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $2,222,000 | 671 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $747,000 | 2,485 |
| Total noninterest expense | $7,421,000 | 1,938 |
| Salaries and employee benefits | $3,544,000 | 2,127 |
| Premises and equipment expense | $902,000 | 2,355 |
| Additional noninterest expense | $2,975,000 | 1,561 |
| Pre-tax net operating income | $4,844,000 | 1,487 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $2,010,000 | 1,171 |
| Income before extraordinary items | $2,834,000 | 1,857 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,834,000 | 1,860 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $336,000 | 2,065 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $-1,292,000 | 9,583 |
| Net operating income | $2,834,000 | 1,788 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $14,829,000 | 2,360 |
| Total interest expense | $5,418,000 | 3,084 |
| Net interest income | $9,411,000 | 1,872 |
| Provision for loan and lease losses | $355,000 | 2,545 |
| Total noninterest income | $2,408,000 | 1,639 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,798,000 | 756 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $610,000 | 2,608 |
| Total noninterest expense | $7,320,000 | 1,896 |
| Salaries and employee benefits | $3,429,000 | 2,081 |
| Premises and equipment expense | $950,000 | 2,174 |
| Additional noninterest expense | $2,941,000 | 1,518 |
| Pre-tax net operating income | $4,144,000 | 1,769 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,721,000 | 1,342 |
| Income before extraordinary items | $2,423,000 | 2,135 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,423,000 | 2,135 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 3,407 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $20,000 | 853 |
| Net operating income | $2,423,000 | 2,139 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $12,763,000 | 2,565 |
| Total interest expense | $3,964,000 | 3,610 |
| Net interest income | $8,799,000 | 2,000 |
| Provision for loan and lease losses | $385,000 | 2,170 |
| Total noninterest income | $2,456,000 | 1,589 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,756,000 | 759 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $700,000 | 2,379 |
| Total noninterest expense | $7,712,000 | 1,785 |
| Salaries and employee benefits | $3,645,000 | 1,920 |
| Premises and equipment expense | $943,000 | 2,167 |
| Additional noninterest expense | $3,124,000 | 1,471 |
| Pre-tax net operating income | $3,158,000 | 2,298 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,430,000 | 1,658 |
| Income before extraordinary items | $1,728,000 | 2,904 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,728,000 | 2,905 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $259,000 | 2,032 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,024 |
| Net operating income | $1,728,000 | 2,876 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,825,000 | 3,595 |
| Total interest expense | $3,114,000 | 4,583 |
| Net interest income | $5,711,000 | 3,016 |
| Provision for loan and lease losses | $370,000 | 2,196 |
| Total noninterest income | $1,753,000 | 2,012 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,229,000 | 1,004 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $524,000 | 2,895 |
| Total noninterest expense | $5,085,000 | 2,557 |
| Salaries and employee benefits | $2,436,000 | 2,790 |
| Premises and equipment expense | $744,000 | 2,611 |
| Additional noninterest expense | $1,905,000 | 2,201 |
| Pre-tax net operating income | $2,009,000 | 3,330 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $803,000 | 2,735 |
| Income before extraordinary items | $1,206,000 | 3,909 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,206,000 | 3,907 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 3,649 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $86,000 | 795 |
| Net operating income | $1,206,000 | 3,825 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,687,000 | 4,117 |
| Total interest expense | $2,716,000 | 5,084 |
| Net interest income | $4,971,000 | 3,515 |
| Provision for loan and lease losses | $325,000 | 2,444 |
| Total noninterest income | $1,402,000 | 2,325 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,036,000 | 1,225 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $366,000 | 3,487 |
| Total noninterest expense | $4,804,000 | 2,669 |
| Salaries and employee benefits | $2,060,000 | 3,216 |
| Premises and equipment expense | $770,000 | 2,508 |
| Additional noninterest expense | $1,974,000 | 2,116 |
| Pre-tax net operating income | $1,244,000 | 5,119 |
| Securities gains (losses) | $5,000 | 2,787 |
| Applicable income taxes | $498,000 | 4,222 |
| Income before extraordinary items | $751,000 | 5,675 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $751,000 | 5,678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,093 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $747,800 | 5,642 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,191,000 | 5,063 |
| Total interest expense | $2,167,000 | 6,097 |
| Net interest income | $4,024,000 | 4,301 |
| Provision for loan and lease losses | $1,070,000 | 972 |
| Total noninterest income | $1,119,000 | 2,840 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $887,000 | 1,517 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $232,000 | 4,751 |
| Total noninterest expense | $4,080,000 | 3,291 |
| Salaries and employee benefits | $1,823,000 | 3,627 |
| Premises and equipment expense | $935,000 | 2,133 |
| Additional noninterest expense | $1,322,000 | 3,474 |
| Pre-tax net operating income | $-7,000 | 10,817 |
| Securities gains (losses) | $122,000 | 880 |
| Applicable income taxes | $46,000 | 9,765 |
| Income before extraordinary items | $69,000 | 10,464 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $69,000 | 10,463 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $880,000 | 974 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-9,080 | 10,799 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,608,000 | 5,505 |
| Total interest expense | $1,758,000 | 6,997 |
| Net interest income | $3,850,000 | 4,447 |
| Provision for loan and lease losses | $275,000 | 2,402 |
| Total noninterest income | $998,000 | 3,107 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $734,000 | 1,851 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $264,000 | 4,342 |
| Total noninterest expense | $3,847,000 | 3,446 |
| Salaries and employee benefits | $1,709,000 | 3,809 |
| Premises and equipment expense | $811,000 | 2,447 |
| Additional noninterest expense | $1,327,000 | 3,433 |
| Pre-tax net operating income | $726,000 | 7,192 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $313,000 | 5,852 |
| Income before extraordinary items | $413,000 | 7,938 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $413,000 | 7,937 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $362,000 | 1,715 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $413,000 | 7,904 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,197,000 | 5,492 |
| Total interest expense | $1,542,000 | 6,773 |
| Net interest income | $3,655,000 | 4,744 |
| Provision for loan and lease losses | $585,000 | 1,368 |
| Total noninterest income | $912,000 | 3,331 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $742,000 | 1,820 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $170,000 | 5,815 |
| Total noninterest expense | $3,901,000 | 3,503 |
| Salaries and employee benefits | $1,808,000 | 3,602 |
| Premises and equipment expense | $761,000 | 2,642 |
| Additional noninterest expense | $1,332,000 | 3,696 |
| Pre-tax net operating income | $81,000 | 11,747 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $35,000 | 10,807 |
| Income before extraordinary items | $46,000 | 11,831 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $46,000 | 11,834 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $430,000 | 1,511 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $46,000 | 11,866 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,119,000 | 5,656 |
| Total interest expense | $1,605,000 | 6,865 |
| Net interest income | $3,514,000 | 4,943 |
| Provision for loan and lease losses | $870,000 | 1,437 |
| Total noninterest income | $852,000 | 3,794 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $661,000 | 2,063 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $191,000 | 5,807 |
| Total noninterest expense | $3,724,000 | 3,718 |
| Salaries and employee benefits | $1,741,000 | 3,741 |
| Premises and equipment expense | $613,000 | 3,261 |
| Additional noninterest expense | $1,370,000 | 3,779 |
| Pre-tax net operating income | $-228,000 | 12,717 |
| Securities gains (losses) | $245,000 | 1,475 |
| Applicable income taxes | $-4,000 | 12,750 |
| Income before extraordinary items | $21,000 | 12,418 |
| Extraordinary gains, net | $8,000 | 2,989 |
| Net income | $29,000 | 12,403 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $928,000 | 1,207 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-224,000 | 12,698 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,438,000 | 5,961 |
| Total interest expense | $1,868,000 | 7,430 |
| Net interest income | $3,570,000 | 4,923 |
| Provision for loan and lease losses | $492,000 | 3,038 |
| Total noninterest income | $493,000 | 5,698 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $389,000 | 3,580 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $104,000 | 7,922 |
| Total noninterest expense | $3,136,000 | 4,343 |
| Salaries and employee benefits | $1,501,000 | 4,227 |
| Premises and equipment expense | $460,000 | 4,271 |
| Additional noninterest expense | $1,175,000 | 4,425 |
| Pre-tax net operating income | $435,000 | 8,925 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $125,000 | 9,233 |
| Income before extraordinary items | $310,000 | 9,176 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $310,000 | 9,319 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $175,000 | 4,515 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $310,000 | 8,803 |
* 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.