Home > F&M Bank-Central > Income and Expense
F&M Bank-Central, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $9,504,000 | 3,378 |
| Total interest expense | $4,651,000 | 3,127 |
| Net interest income | $4,853,000 | 3,540 |
| Provision for loan and lease losses | $603,000 | 1,494 |
| Total noninterest income | $802,000 | 3,610 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $299,000 | 4,004 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $503,000 | 2,947 |
| Total noninterest expense | $3,946,000 | 3,349 |
| Salaries and employee benefits | $1,859,000 | 3,652 |
| Premises and equipment expense | $473,000 | 3,968 |
| Additional noninterest expense | $1,614,000 | 2,671 |
| Pre-tax net operating income | $1,106,000 | 5,006 |
| Securities gains (losses) | $-162,000 | 10,016 |
| Applicable income taxes | $200,000 | 5,712 |
| Income before extraordinary items | $744,000 | 5,300 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $744,000 | 5,298 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $88,000 | 3,806 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $871,980 | 4,794 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,543,000 | 3,695 |
| Total interest expense | $4,362,000 | 3,407 |
| Net interest income | $4,181,000 | 3,979 |
| Provision for loan and lease losses | $120,000 | 4,610 |
| Total noninterest income | $813,000 | 3,587 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $261,000 | 4,354 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $552,000 | 2,803 |
| Total noninterest expense | $3,480,000 | 3,632 |
| Salaries and employee benefits | $1,618,000 | 4,003 |
| Premises and equipment expense | $423,000 | 4,229 |
| Additional noninterest expense | $1,439,000 | 2,879 |
| Pre-tax net operating income | $1,394,000 | 4,413 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $399,000 | 4,418 |
| Income before extraordinary items | $995,000 | 4,546 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $995,000 | 4,545 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,100 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $995,000 | 4,442 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,197,000 | 4,936 |
| Total interest expense | $3,254,000 | 4,399 |
| Net interest income | $2,943,000 | 5,382 |
| Provision for loan and lease losses | $205,000 | 3,384 |
| Total noninterest income | $726,000 | 3,866 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $201,000 | 5,322 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $525,000 | 2,726 |
| Total noninterest expense | $2,279,000 | 5,141 |
| Salaries and employee benefits | $1,056,000 | 5,655 |
| Premises and equipment expense | $335,000 | 5,068 |
| Additional noninterest expense | $888,000 | 4,360 |
| Pre-tax net operating income | $1,185,000 | 5,285 |
| Securities gains (losses) | $20,000 | 1,883 |
| Applicable income taxes | $363,000 | 5,184 |
| Income before extraordinary items | $842,000 | 5,283 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $842,000 | 5,285 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,572 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $828,000 | 5,289 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,888,000 | 6,043 |
| Total interest expense | $2,122,000 | 6,180 |
| Net interest income | $2,766,000 | 5,781 |
| Provision for loan and lease losses | $60,000 | 6,086 |
| Total noninterest income | $336,000 | 6,555 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $180,000 | 5,903 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $156,000 | 5,866 |
| Total noninterest expense | $1,736,000 | 6,528 |
| Salaries and employee benefits | $910,000 | 6,413 |
| Premises and equipment expense | $178,000 | 7,473 |
| Additional noninterest expense | $648,000 | 6,045 |
| Pre-tax net operating income | $1,306,000 | 4,816 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $416,000 | 4,775 |
| Income before extraordinary items | $890,000 | 4,912 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $890,000 | 4,913 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,500 |
| Cash dividends | $300,000 | 4,471 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $890,000 | 4,857 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,569,000 | 6,386 |
| Total interest expense | $2,009,000 | 6,446 |
| Net interest income | $2,560,000 | 6,205 |
| Provision for loan and lease losses | $90,000 | 4,814 |
| Total noninterest income | $338,000 | 6,626 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $204,000 | 5,615 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $134,000 | 6,308 |
| Total noninterest expense | $1,762,000 | 6,568 |
| Salaries and employee benefits | $854,000 | 6,798 |
| Premises and equipment expense | $179,000 | 7,622 |
| Additional noninterest expense | $729,000 | 5,663 |
| Pre-tax net operating income | $1,046,000 | 5,811 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $319,000 | 5,789 |
| Income before extraordinary items | $727,000 | 5,832 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $727,000 | 5,829 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,954 |
| Cash dividends | $500,000 | 3,291 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $727,000 | 5,815 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,927,000 | 9,934 |
| Total interest expense | $750,000 | 9,834 |
| Net interest income | $1,177,000 | 9,817 |
| Provision for loan and lease losses | $35,000 | 6,861 |
| Total noninterest income | $147,000 | 9,754 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $82,000 | 8,618 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $65,000 | 8,873 |
| Total noninterest expense | $876,000 | 9,880 |
| Salaries and employee benefits | $389,000 | 10,379 |
| Premises and equipment expense | $78,000 | 10,708 |
| Additional noninterest expense | $409,000 | 8,739 |
| Pre-tax net operating income | $413,000 | 9,262 |
| Securities gains (losses) | $11,000 | 2,158 |
| Applicable income taxes | $122,000 | 8,885 |
| Income before extraordinary items | $302,000 | 9,121 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $302,000 | 9,124 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $250,000 | 4,888 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $294,190 | 9,274 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,881,000 | 10,427 |
| Total interest expense | $736,000 | 10,382 |
| Net interest income | $1,145,000 | 10,242 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $173,000 | 9,753 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $79,000 | 9,041 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $94,000 | 8,081 |
| Total noninterest expense | $811,000 | 10,613 |
| Salaries and employee benefits | $444,000 | 10,215 |
| Premises and equipment expense | $77,000 | 11,269 |
| Additional noninterest expense | $290,000 | 10,573 |
| Pre-tax net operating income | $507,000 | 8,623 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $188,000 | 7,851 |
| Income before extraordinary items | $319,000 | 9,250 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $319,000 | 9,418 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 11,387 |
| Cash dividends | $207,000 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $319,000 | 8,995 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,087,000 | 10,721 |
| Total interest expense | $1,007,000 | 10,357 |
| Net interest income | $1,080,000 | 10,766 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $115,000 | 11,319 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $79,000 | 9,202 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $36,000 | 11,337 |
| Total noninterest expense | $898,000 | 10,493 |
| Salaries and employee benefits | $437,000 | 10,435 |
| Premises and equipment expense | $82,000 | 11,425 |
| Additional noninterest expense | $379,000 | 9,826 |
| Pre-tax net operating income | $297,000 | 10,167 |
| Securities gains (losses) | $36,000 | 4,684 |
| Applicable income taxes | $77,000 | 10,525 |
| Income before extraordinary items | $256,000 | 9,837 |
| Extraordinary gains, net | $78,000 | 841 |
| Net income | $334,000 | 9,028 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 5,790 |
| Cash dividends | $119,000 | 6,268 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $228,280 | 9,852 |
* 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.