Home > F&M Bank > Income and Expense

F&M Bank, Income and Expense

2007-03-31 (YTD Data)Rank
Total interest income$7,498,0001,440
Total interest expense$3,196,0001,553
Net interest income$4,302,0001,320
Provision for loan and lease losses$175,0001,288
Total noninterest income$835,0001,510
Gross Fiduciary activities income$01,355
Service charges on deposit accounts$447,000962
Trading account gains and fees$0195
Additional Noninterest Income$388,0001,624
Total noninterest expense$3,833,0001,229
Salaries and employee benefits$2,025,0001,273
Premises and equipment expense$694,000948
Additional noninterest expense$1,114,0001,219
Pre-tax net operating income$1,129,0001,968
Securities gains (losses)$01,187
Applicable income taxes$351,0001,666
Income before extraordinary items$778,0002,112
Extraordinary gains, net$022
Net income$778,0002,112
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$139,000938
Cash dividends$03,942
Sale, conversion, retirement of capital stock, net$130,000303
Net operating income$778,0002,100
2006-12-31 (YTD Data)Rank
Total interest income$27,497,0001,452
Total interest expense$10,850,0001,562
Net interest income$16,647,0001,367
Provision for loan and lease losses$774,0001,309
Total noninterest income$4,078,0001,276
Gross Fiduciary activities income$01,523
Service charges on deposit accounts$2,056,000860
Trading account gains and fees$0130
Additional Noninterest Income$2,022,0001,340
Total noninterest expense$15,198,0001,187
Salaries and employee benefits$8,125,0001,198
Premises and equipment expense$2,634,000954
Additional noninterest expense$4,439,0001,202
Pre-tax net operating income$4,753,0001,980
Securities gains (losses)$5,0001,264
Applicable income taxes$1,569,0001,585
Income before extraordinary items$3,189,0002,169
Extraordinary gains, net$051
Net income$3,189,0002,170
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$200,0002,185
Cash dividends$1,790,0001,716
Sale, conversion, retirement of capital stock, net$161,000803
Net operating income$3,185,6502,159
2006-09-30 (YTD Data)Rank
Total interest income$20,074,0001,479
Total interest expense$7,816,0001,572
Net interest income$12,258,0001,412
Provision for loan and lease losses$455,0001,499
Total noninterest income$3,095,0001,288
Gross Fiduciary activities income$01,468
Service charges on deposit accounts$1,548,000859
Trading account gains and fees$0126
Additional Noninterest Income$1,547,0001,336
Total noninterest expense$10,868,0001,249
Salaries and employee benefits$5,927,0001,245
Premises and equipment expense$1,860,0001,022
Additional noninterest expense$3,081,0001,300
Pre-tax net operating income$4,030,0001,830
Securities gains (losses)$4,0001,079
Applicable income taxes$1,217,0001,635
Income before extraordinary items$2,817,0001,939
Extraordinary gains, net$045
Net income$2,817,0001,940
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$26,0003,960
Cash dividends$05,292
Sale, conversion, retirement of capital stock, net$145,000647
Net operating income$2,814,2001,925
2006-06-30 (YTD Data)Rank
Total interest income$12,790,0001,513
Total interest expense$4,854,0001,608
Net interest income$7,936,0001,453
Provision for loan and lease losses$315,0001,403
Total noninterest income$2,074,0001,274
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$1,011,000860
Trading account gains and fees$0126
Additional Noninterest Income$1,063,0001,299
Total noninterest expense$7,114,0001,283
Salaries and employee benefits$3,859,0001,286
Premises and equipment expense$1,242,0001,018
Additional noninterest expense$2,013,0001,328
Pre-tax net operating income$2,581,0001,899
Securities gains (losses)$01,185
Applicable income taxes$779,0001,695
Income before extraordinary items$1,802,0002,007
Extraordinary gains, net$039
Net income$1,802,0002,009
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$61,0002,270
Cash dividends$05,069
Sale, conversion, retirement of capital stock, net$-101,0008,727
Net operating income$1,802,0001,996
2006-03-31 (YTD Data)Rank
Total interest income$6,104,0001,553
Total interest expense$2,225,0001,661
Net interest income$3,879,0001,482
Provision for loan and lease losses$203,0001,124
Total noninterest income$989,0001,290
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$485,000868
Trading account gains and fees$0115
Additional Noninterest Income$504,0001,334
Total noninterest expense$3,667,0001,252
Salaries and employee benefits$1,959,0001,266
Premises and equipment expense$653,000968
Additional noninterest expense$1,055,0001,263
Pre-tax net operating income$998,0002,279
Securities gains (losses)$0955
Applicable income taxes$301,0002,024
Income before extraordinary items$697,0002,451
Extraordinary gains, net$021
Net income$697,0002,453
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$12,0002,805
Cash dividends$03,943
Sale, conversion, retirement of capital stock, net$-32,0008,736
Net operating income$697,0002,429
2005-12-31 (YTD Data)Rank
Total interest income$20,503,0001,647
Total interest expense$6,161,0001,843
Net interest income$14,342,0001,529
Provision for loan and lease losses$563,0001,733
Total noninterest income$3,928,0001,301
Gross Fiduciary activities income$01,557
Service charges on deposit accounts$2,070,000835
Trading account gains and fees$0138
Additional Noninterest Income$1,858,0001,424
Total noninterest expense$13,276,0001,299
Salaries and employee benefits$6,798,0001,369
Premises and equipment expense$2,326,0001,029
Additional noninterest expense$4,152,0001,253
Pre-tax net operating income$4,431,0002,056
Securities gains (losses)$02,296
Applicable income taxes$1,334,0001,853
Income before extraordinary items$3,097,0002,186
Extraordinary gains, net$046
Net income$3,097,0002,187
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$132,0002,901
Cash dividends$1,625,0001,716
Sale, conversion, retirement of capital stock, net$99,000723
Net operating income$3,097,0002,158
2005-09-30 (YTD Data)Rank
Total interest income$14,780,0001,670
Total interest expense$4,270,0001,865
Net interest income$10,510,0001,545
Provision for loan and lease losses$358,0001,911
Total noninterest income$2,825,0001,350
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$1,534,000851
Trading account gains and fees$0126
Additional Noninterest Income$1,291,0001,502
Total noninterest expense$9,716,0001,320
Salaries and employee benefits$4,925,0001,408
Premises and equipment expense$1,706,0001,042
Additional noninterest expense$3,085,0001,241
Pre-tax net operating income$3,261,0002,097
Securities gains (losses)$02,317
Applicable income taxes$968,0001,925
Income before extraordinary items$2,293,0002,231
Extraordinary gains, net$035
Net income$2,293,0002,230
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$67,0003,080
Cash dividends$05,317
Sale, conversion, retirement of capital stock, net$99,000567
Net operating income$2,293,0002,193
2005-06-30 (YTD Data)Rank
Total interest income$9,395,0001,702
Total interest expense$2,600,0001,921
Net interest income$6,795,0001,580
Provision for loan and lease losses$252,0001,758
Total noninterest income$1,796,0001,384
Gross Fiduciary activities income$01,480
Service charges on deposit accounts$983,000872
Trading account gains and fees$0116
Additional Noninterest Income$813,0001,559
Total noninterest expense$6,377,0001,332
Salaries and employee benefits$3,256,0001,415
Premises and equipment expense$1,094,0001,089
Additional noninterest expense$2,027,0001,242
Pre-tax net operating income$1,962,0002,221
Securities gains (losses)$02,146
Applicable income taxes$582,0002,055
Income before extraordinary items$1,380,0002,362
Extraordinary gains, net$030
Net income$1,380,0002,362
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$54,0002,636
Cash dividends$05,072
Sale, conversion, retirement of capital stock, net$0643
Net operating income$1,380,0002,337
2005-03-31 (YTD Data)Rank
Total interest income$4,476,0001,744
Total interest expense$1,242,0001,907
Net interest income$3,234,0001,654
Provision for loan and lease losses$06,226
Total noninterest income$857,0001,417
Gross Fiduciary activities income$01,418
Service charges on deposit accounts$457,000904
Trading account gains and fees$0115
Additional Noninterest Income$400,0001,549
Total noninterest expense$3,139,0001,359
Salaries and employee benefits$1,657,0001,394
Premises and equipment expense$533,0001,128
Additional noninterest expense$949,0001,308
Pre-tax net operating income$952,0002,255
Securities gains (losses)$01,685
Applicable income taxes$283,0002,063
Income before extraordinary items$669,0002,405
Extraordinary gains, net$024
Net income$669,0002,406
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$33,0002,093
Cash dividends$03,863
Sale, conversion, retirement of capital stock, net$0491
Net operating income$669,0002,370
2004-12-31 (YTD Data)Rank
Total interest income$17,499,0001,650
Total interest expense$4,108,0001,982
Net interest income$13,391,0001,513
Provision for loan and lease losses$452,0002,136
Total noninterest income$3,236,0001,495
Gross Fiduciary activities income$01,582
Service charges on deposit accounts$2,005,000869
Trading account gains and fees$0138
Additional Noninterest Income$1,231,0001,872
Total noninterest expense$12,317,0001,333
Salaries and employee benefits$6,400,0001,386
Premises and equipment expense$2,060,0001,115
Additional noninterest expense$3,857,0001,286
Pre-tax net operating income$3,858,0002,115
Securities gains (losses)$-255,0008,828
Applicable income taxes$1,041,0002,090
Income before extraordinary items$2,562,0002,379
Extraordinary gains, net$034
Net income$2,562,0002,381
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$401,0001,591
Cash dividends$1,487,0001,751
Sale, conversion, retirement of capital stock, net$3,568,000270
Net operating income$2,743,0502,190
2004-09-30 (YTD Data)Rank
Total interest income$12,990,0001,651
Total interest expense$2,985,0002,008
Net interest income$10,005,0001,507
Provision for loan and lease losses$260,0002,516
Total noninterest income$2,449,0001,504
Gross Fiduciary activities income$01,547
Service charges on deposit accounts$1,525,000859
Trading account gains and fees$0134
Additional Noninterest Income$924,0001,876
Total noninterest expense$8,981,0001,367
Salaries and employee benefits$4,623,0001,433
Premises and equipment expense$1,411,0001,222
Additional noninterest expense$2,947,0001,250
Pre-tax net operating income$3,213,0001,957
Securities gains (losses)$03,710
Applicable income taxes$960,0001,844
Income before extraordinary items$2,253,0002,083
Extraordinary gains, net$026
Net income$2,253,0002,084
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$144,0002,320
Cash dividends$05,363
Sale, conversion, retirement of capital stock, net$-25,0008,957
Net operating income$2,253,0002,026
2004-06-30 (YTD Data)Rank
Total interest income$8,453,0001,662
Total interest expense$1,928,0002,052
Net interest income$6,525,0001,522
Provision for loan and lease losses$210,0002,090
Total noninterest income$1,642,0001,493
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$1,031,000840
Trading account gains and fees$0130
Additional Noninterest Income$611,0001,901
Total noninterest expense$5,911,0001,378
Salaries and employee benefits$3,018,0001,468
Premises and equipment expense$895,0001,285
Additional noninterest expense$1,998,0001,205
Pre-tax net operating income$2,046,0002,014
Securities gains (losses)$03,413
Applicable income taxes$613,0001,897
Income before extraordinary items$1,433,0002,153
Extraordinary gains, net$021
Net income$1,433,0002,154
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$110,0002,047
Cash dividends$05,087
Sale, conversion, retirement of capital stock, net$0638
Net operating income$1,433,0002,096
2004-03-31 (YTD Data)Rank
Total interest income$4,218,0001,670
Total interest expense$959,0002,084
Net interest income$3,259,0001,525
Provision for loan and lease losses$76,0002,538
Total noninterest income$782,0001,528
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$503,000843
Trading account gains and fees$0121
Additional Noninterest Income$279,0001,976
Total noninterest expense$2,980,0001,377
Salaries and employee benefits$1,524,0001,454
Premises and equipment expense$459,0001,269
Additional noninterest expense$997,0001,210
Pre-tax net operating income$985,0002,024
Securities gains (losses)$02,934
Applicable income taxes$294,0001,964
Income before extraordinary items$691,0002,203
Extraordinary gains, net$016
Net income$691,0002,204
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$21,0002,858
Cash dividends$03,841
Sale, conversion, retirement of capital stock, net$0464
Net operating income$691,0002,127
2003-12-31 (YTD Data)Rank
Total interest income$17,133,0001,669
Total interest expense$3,853,0002,295
Net interest income$13,280,0001,466
Provision for loan and lease losses$119,0005,068
Total noninterest income$3,779,0001,411
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$2,228,000772
Trading account gains and fees$0160
Additional Noninterest Income$1,551,0001,777
Total noninterest expense$10,887,0001,470
Salaries and employee benefits$5,600,0001,533
Premises and equipment expense$1,814,0001,246
Additional noninterest expense$3,473,0001,409
Pre-tax net operating income$6,053,0001,363
Securities gains (losses)$04,500
Applicable income taxes$1,671,0001,477
Income before extraordinary items$4,382,0001,438
Extraordinary gains, net$054
Net income$4,382,0001,440
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-159,0009,088
Cash dividends$1,485,0001,753
Sale, conversion, retirement of capital stock, net$4,000848
Net operating income$4,382,0001,379
2003-09-30 (YTD Data)Rank
Total interest income$12,837,0001,700
Total interest expense$2,892,0002,377
Net interest income$9,945,0001,479
Provision for loan and lease losses$317,0002,405
Total noninterest income$2,948,0001,379
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$1,665,000781
Trading account gains and fees$0153
Additional Noninterest Income$1,283,0001,719
Total noninterest expense$7,919,0001,524
Salaries and employee benefits$4,031,0001,603
Premises and equipment expense$1,298,0001,325
Additional noninterest expense$2,590,0001,424
Pre-tax net operating income$4,657,0001,391
Securities gains (losses)$04,204
Applicable income taxes$1,286,0001,515
Income before extraordinary items$3,371,0001,457
Extraordinary gains, net$040
Net income$3,371,0001,457
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$120,0002,955
Cash dividends$05,519
Sale, conversion, retirement of capital stock, net$4,000695
Net operating income$3,371,0001,375
2003-06-30 (YTD Data)Rank
Total interest income$8,452,0001,734
Total interest expense$1,930,0002,455
Net interest income$6,522,0001,496
Provision for loan and lease losses$77,0004,362
Total noninterest income$1,923,0001,405
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$1,101,000781
Trading account gains and fees$0150
Additional Noninterest Income$822,0001,745
Total noninterest expense$5,184,0001,553
Salaries and employee benefits$2,640,0001,624
Premises and equipment expense$848,0001,355
Additional noninterest expense$1,696,0001,452
Pre-tax net operating income$3,184,0001,338
Securities gains (losses)$03,782
Applicable income taxes$837,0001,561
Income before extraordinary items$2,347,0001,405
Extraordinary gains, net$030
Net income$2,347,0001,405
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-84,0009,101
Cash dividends$05,215
Sale, conversion, retirement of capital stock, net$4,000563
Net operating income$2,347,0001,318
2003-03-31 (YTD Data)Rank
Total interest income$4,160,0001,768
Total interest expense$965,0002,510
Net interest income$3,195,0001,524
Provision for loan and lease losses$42,0004,061
Total noninterest income$891,0001,454
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$515,000802
Trading account gains and fees$0134
Additional Noninterest Income$376,0001,819
Total noninterest expense$2,578,0001,549
Salaries and employee benefits$1,318,0001,616
Premises and equipment expense$418,0001,388
Additional noninterest expense$842,0001,424
Pre-tax net operating income$1,466,0001,458
Securities gains (losses)$02,891
Applicable income taxes$304,0002,033
Income before extraordinary items$1,162,0001,407
Extraordinary gains, net$021
Net income$1,162,0001,405
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$9,0004,051
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$4,000385
Net operating income$1,162,0001,318
2002-12-31 (YTD Data)Rank
Total interest income$17,427,0001,775
Total interest expense$4,633,0002,397
Net interest income$12,794,0001,513
Provision for loan and lease losses$970,0001,390
Total noninterest income$3,449,0001,406
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$2,264,000711
Trading account gains and fees$0153
Additional Noninterest Income$1,185,0001,948
Total noninterest expense$9,880,0001,560
Salaries and employee benefits$4,908,0001,639
Premises and equipment expense$1,762,0001,248
Additional noninterest expense$3,210,0001,483
Pre-tax net operating income$5,393,0001,517
Securities gains (losses)$04,537
Applicable income taxes$1,718,0001,472
Income before extraordinary items$3,675,0001,629
Extraordinary gains, net$070
Net income$3,675,0001,629
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$753,0001,215
Cash dividends$1,267,0001,867
Sale, conversion, retirement of capital stock, net$2,251,000270
Net operating income$3,675,0001,580
2001-12-31 (YTD Data)Rank
Total interest income$18,471,0001,860
Total interest expense$6,858,0002,333
Net interest income$11,613,0001,531
Provision for loan and lease losses$517,0002,142
Total noninterest income$3,152,0001,424
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$2,075,000722
Trading account gains and fees$0177
Additional Noninterest Income$1,077,0001,932
Total noninterest expense$9,248,0001,579
Salaries and employee benefits$4,359,0001,724
Premises and equipment expense$1,687,0001,266
Additional noninterest expense$3,202,0001,452
Pre-tax net operating income$5,000,0001,440
Securities gains (losses)$04,612
Applicable income taxes$1,678,0001,363
Income before extraordinary items$3,322,0001,593
Extraordinary gains, net$0105
Net income$3,322,0001,593
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$291,0002,289
Cash dividends$1,186,0002,010
Sale, conversion, retirement of capital stock, net$0922
Net operating income$3,322,0001,527
2000-12-31 (YTD Data)Rank
Total interest income$18,258,0001,919
Total interest expense$7,899,0002,165
Net interest income$10,359,0001,701
Provision for loan and lease losses$423,0002,177
Total noninterest income$2,069,0001,824
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$1,144,0001,183
Trading account gains and fees$0180
Additional Noninterest Income$925,0001,954
Total noninterest expense$7,716,0001,804
Salaries and employee benefits$3,967,0001,812
Premises and equipment expense$1,565,0001,305
Additional noninterest expense$2,184,0001,996
Pre-tax net operating income$4,289,0001,710
Securities gains (losses)$01,956
Applicable income taxes$1,400,0001,599
Income before extraordinary items$2,889,0001,802
Extraordinary gains, net$038
Net income$2,889,0001,802
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$132,0003,092
Cash dividends$1,017,0002,228
Sale, conversion, retirement of capital stock, net$0969
Net operating income$2,889,0001,805
1999-12-31 (YTD Data)Rank
Total interest income$15,651,0002,085
Total interest expense$5,812,0002,530
Net interest income$9,839,0001,769
Provision for loan and lease losses$381,0002,187
Total noninterest income$1,539,0002,258
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$973,0001,345
Trading account gains and fees$0173
Additional Noninterest Income$566,0002,727
Total noninterest expense$7,612,0001,816
Salaries and employee benefits$3,902,0001,778
Premises and equipment expense$1,539,0001,317
Additional noninterest expense$2,171,0002,012
Pre-tax net operating income$3,385,0002,170
Securities gains (losses)$03,155
Applicable income taxes$1,141,0002,003
Income before extraordinary items$2,244,0002,315
Extraordinary gains, net$035
Net income$2,244,0002,316
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$142,0002,946
Cash dividends$890,0002,490
Sale, conversion, retirement of capital stock, net$-144,00010,105
Net operating income$2,244,0002,291
1998-12-31 (YTD Data)Rank
Total interest income$15,185,0002,147
Total interest expense$5,749,0002,638
Net interest income$9,436,0001,811
Provision for loan and lease losses$404,0002,045
Total noninterest income$1,380,0002,419
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$900,0001,396
Trading account gains and fees$0224
Additional Noninterest Income$480,0003,056
Total noninterest expense$7,042,0001,841
Salaries and employee benefits$3,646,0001,838
Premises and equipment expense$1,336,0001,470
Additional noninterest expense$2,060,0002,066
Pre-tax net operating income$3,370,0002,137
Securities gains (losses)$04,449
Applicable income taxes$1,154,0002,061
Income before extraordinary items$2,216,0002,329
Extraordinary gains, net$032
Net income$2,216,0002,328
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$280,0001,958
Cash dividends$683,0002,896
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$2,216,0002,254
1997-12-31 (YTD Data)Rank
Total interest income$14,192,0002,298
Total interest expense$5,251,0002,849
Net interest income$8,941,0001,945
Provision for loan and lease losses$634,0001,439
Total noninterest income$1,289,0002,475
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$871,0001,482
Trading account gains and fees$0239
Additional Noninterest Income$418,0003,199
Total noninterest expense$6,935,0001,865
Salaries and employee benefits$3,376,0001,946
Premises and equipment expense$1,142,0001,721
Additional noninterest expense$2,417,0001,755
Pre-tax net operating income$2,661,0002,762
Securities gains (losses)$03,944
Applicable income taxes$911,0002,632
Income before extraordinary items$1,750,0002,911
Extraordinary gains, net$044
Net income$1,750,0002,910
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$577,0001,201
Cash dividends$510,0003,410
Sale, conversion, retirement of capital stock, net$171,000696
Net operating income$1,750,0002,854
1996-12-31 (YTD Data)Rank
Total interest income$13,221,0002,528
Total interest expense$4,896,0003,061
Net interest income$8,325,0002,157
Provision for loan and lease losses$756,0001,249
Total noninterest income$1,132,0002,817
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$741,0001,831
Trading account gains and fees$0262
Additional Noninterest Income$391,0003,450
Total noninterest expense$6,243,0002,197
Salaries and employee benefits$3,234,0002,058
Premises and equipment expense$987,0002,038
Additional noninterest expense$2,022,0002,425
Pre-tax net operating income$2,458,0002,812
Securities gains (losses)$04,148
Applicable income taxes$846,0002,707
Income before extraordinary items$1,612,0002,985
Extraordinary gains, net$053
Net income$1,612,0002,987
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$659,0001,171
Cash dividends$409,0003,828
Sale, conversion, retirement of capital stock, net$178,000594
Net operating income$1,612,0002,945
1995-12-31 (YTD Data)Rank
Total interest income$13,388,0002,502
Total interest expense$4,967,0003,043
Net interest income$8,421,0002,130
Provision for loan and lease losses$817,0001,103
Total noninterest income$1,156,0002,798
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$763,0001,787
Trading account gains and fees$0522
Additional Noninterest Income$393,0003,342
Total noninterest expense$6,398,0002,151
Salaries and employee benefits$3,191,0002,083
Premises and equipment expense$957,0002,095
Additional noninterest expense$2,250,0002,192
Pre-tax net operating income$2,362,0003,011
Securities gains (losses)$421,000401
Applicable income taxes$982,0002,425
Income before extraordinary items$1,801,0002,742
Extraordinary gains, net$065
Net income$1,801,0002,742
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$824,0001,005
Cash dividends$403,0003,830
Sale, conversion, retirement of capital stock, net$78,000600
Net operating income$1,527,3503,180
1994-12-31 (YTD Data)Rank
Total interest income$12,338,0002,465
Total interest expense$3,654,0003,332
Net interest income$8,684,0002,079
Provision for loan and lease losses$675,0001,235
Total noninterest income$1,160,0002,794
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$772,0001,750
Trading account gains and fees$0475
Additional Noninterest Income$388,0003,475
Total noninterest expense$6,586,0002,147
Salaries and employee benefits$3,390,0001,967
Premises and equipment expense$937,0002,154
Additional noninterest expense$2,259,0002,324
Pre-tax net operating income$2,583,0002,743
Securities gains (losses)$03,600
Applicable income taxes$899,0002,486
Income before extraordinary items$1,684,0002,873
Extraordinary gains, net$0249
Net income$1,684,0002,879
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$582,0001,240
Cash dividends$401,0003,684
Sale, conversion, retirement of capital stock, net$64,000882
Net operating income$1,684,0002,898
1993-12-31 (YTD Data)Rank
Total interest income$12,030,0002,567
Total interest expense$3,560,0003,523
Net interest income$8,470,0002,129
Provision for loan and lease losses$675,0001,706
Total noninterest income$1,515,0002,433
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$792,0001,730
Trading account gains and fees$0532
Additional Noninterest Income$723,0002,542
Total noninterest expense$6,856,0002,134
Salaries and employee benefits$3,318,0002,011
Premises and equipment expense$907,0002,257
Additional noninterest expense$2,631,0002,117
Pre-tax net operating income$2,454,0002,756
Securities gains (losses)$07,477
Applicable income taxes$784,0002,800
Income before extraordinary items$1,670,0002,932
Extraordinary gains, net$-114,00012,946
Net income$1,556,0003,225
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$470,0001,836
Cash dividends$398,0003,748
Sale, conversion, retirement of capital stock, net$50,000985
Net operating income$1,670,0002,781
1992-12-31 (YTD Data)Rank
Total interest income$11,877,0002,953
Total interest expense$4,485,0003,658
Net interest income$7,392,0002,451
Provision for loan and lease losses$740,0002,280
Total noninterest income$1,516,0002,374
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$908,0001,485
Trading account gains and fees$0504
Additional Noninterest Income$608,0002,808
Total noninterest expense$6,289,0002,317
Salaries and employee benefits$3,136,0002,102
Premises and equipment expense$832,0002,481
Additional noninterest expense$2,321,0002,469
Pre-tax net operating income$1,879,0003,298
Securities gains (losses)$08,369
Applicable income taxes$623,0003,326
Income before extraordinary items$1,256,0003,653
Extraordinary gains, net$01,422
Net income$1,256,0003,696
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$480,0002,526
Cash dividends$198,0005,154
Sale, conversion, retirement of capital stock, net$710,000480
Net operating income$1,256,0003,383

* 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.