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F&M Bank-Darlington, Income and Expense

1999-12-31 (YTD Data)Rank
Total interest income$8,608,0003,655
Total interest expense$4,242,0003,414
Net interest income$4,366,0003,882
Provision for loan and lease losses$921,0001,043
Total noninterest income$466,0005,173
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$320,0003,793
Trading account gains and feesNANA
Additional Noninterest Income$146,0005,673
Total noninterest expense$2,858,0004,388
Salaries and employee benefits$1,398,0004,592
Premises and equipment expense$407,0004,469
Additional noninterest expense$1,053,0003,852
Pre-tax net operating income$1,053,0005,151
Securities gains (losses)$-20,0009,544
Applicable income taxes$259,0005,121
Income before extraordinary items$774,0005,182
Extraordinary gains, net$035
Net income$774,0005,181
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$463,0001,287
Cash dividends$850,0002,559
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$789,0005,093
1998-12-31 (YTD Data)Rank
Total interest income$7,839,0004,018
Total interest expense$3,895,0003,778
Net interest income$3,944,0004,165
Provision for loan and lease losses$60,0006,123
Total noninterest income$498,0004,948
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$292,0004,005
Trading account gains and feesNANA
Additional Noninterest Income$206,0004,887
Total noninterest expense$2,786,0004,392
Salaries and employee benefits$1,536,0004,166
Premises and equipment expense$337,0005,019
Additional noninterest expense$913,0004,250
Pre-tax net operating income$1,596,0003,994
Securities gains (losses)$04,449
Applicable income taxes$473,0003,987
Income before extraordinary items$1,123,0004,123
Extraordinary gains, net$032
Net income$1,123,0004,122
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$180,0002,620
Cash dividends$3,550,000852
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$1,123,0004,033
1997-12-31 (YTD Data)Rank
Total interest income$1,416,0009,787
Total interest expense$618,0009,772
Net interest income$798,0009,674
Provision for loan and lease losses$08,829
Total noninterest income$32,00010,548
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$23,0009,059
Trading account gains and feesNANA
Additional Noninterest Income$9,00010,473
Total noninterest expense$475,00010,217
Salaries and employee benefits$421,0009,132
Premises and equipment expense$10,00010,848
Additional noninterest expense$44,00010,847
Pre-tax net operating income$355,0008,700
Securities gains (losses)$-11,00010,082
Applicable income taxes$113,0008,198
Income before extraordinary items$231,0008,902
Extraordinary gains, net$044
Net income$231,0008,907
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,513
Cash dividends$90,0006,641
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$238,3708,814
1996-12-31 (YTD Data)Rank
Total interest income$1,452,00010,184
Total interest expense$680,00010,026
Net interest income$772,00010,183
Provision for loan and lease losses$09,041
Total noninterest income$41,00010,992
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$27,0009,437
Trading account gains and feesNANA
Additional Noninterest Income$14,00010,772
Total noninterest expense$438,00010,837
Salaries and employee benefits$388,0009,689
Premises and equipment expense$8,00011,393
Additional noninterest expense$42,00011,406
Pre-tax net operating income$375,0008,657
Securities gains (losses)$04,148
Applicable income taxes$117,0008,439
Income before extraordinary items$258,0008,769
Extraordinary gains, net$053
Net income$258,0008,768
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,805
Cash dividends$180,0005,668
Sale, conversion, retirement of capital stock, net$0953
Net operating income$258,0008,704
1995-12-31 (YTD Data)Rank
Total interest income$1,407,00010,678
Total interest expense$640,00010,523
Net interest income$767,00010,639
Provision for loan and lease losses$08,958
Total noninterest income$35,00011,581
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$28,0009,846
Trading account gains and feesNANA
Additional Noninterest Income$7,00011,654
Total noninterest expense$479,00011,111
Salaries and employee benefits$404,0009,916
Premises and equipment expense$9,00011,907
Additional noninterest expense$66,00011,829
Pre-tax net operating income$323,0009,589
Securities gains (losses)$-18,00010,494
Applicable income taxes$84,0009,508
Income before extraordinary items$221,0009,710
Extraordinary gains, net$065
Net income$221,0009,715
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-6,00010,436
Cash dividends$180,0005,723
Sale, conversion, retirement of capital stock, net$0809
Net operating income$233,9609,547
1994-12-31 (YTD Data)Rank
Total interest income$1,442,00010,847
Total interest expense$628,00010,469
Net interest income$814,00011,002
Provision for loan and lease losses$09,146
Total noninterest income$37,00012,169
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$29,00010,344
Trading account gains and feesNANA
Additional Noninterest Income$8,00012,207
Total noninterest expense$507,00011,585
Salaries and employee benefits$430,00010,002
Premises and equipment expense$10,00012,540
Additional noninterest expense$67,00012,485
Pre-tax net operating income$344,0009,775
Securities gains (losses)$2,0003,070
Applicable income taxes$95,0009,483
Income before extraordinary items$251,0009,683
Extraordinary gains, net$0249
Net income$251,0009,694
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-29,00011,539
Cash dividends$180,0005,708
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$249,5409,775
1993-12-31 (YTD Data)Rank
Total interest income$1,458,00011,328
Total interest expense$636,00010,945
Net interest income$822,00011,436
Provision for loan and lease losses$91,0005,992
Total noninterest income$135,00010,524
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$30,00010,750
Trading account gains and feesNANA
Additional Noninterest Income$105,0007,719
Total noninterest expense$521,00012,054
Salaries and employee benefits$433,00010,310
Premises and equipment expense$13,00013,180
Additional noninterest expense$75,00013,112
Pre-tax net operating income$345,0009,852
Securities gains (losses)$11,0005,374
Applicable income taxes$99,0009,774
Income before extraordinary items$257,0009,964
Extraordinary gains, net$03,149
Net income$257,00010,103
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-15,00011,961
Cash dividends$180,0005,679
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$249,0809,804
1992-12-31 (YTD Data)Rank
Total interest income$1,603,00011,723
Total interest expense$771,00011,459
Net interest income$832,00011,781
Provision for loan and lease losses$39,0009,563
Total noninterest income$41,00013,319
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$34,00010,924
Trading account gains and feesNANA
Additional Noninterest Income$7,00013,545
Total noninterest expense$435,00012,988
Salaries and employee benefits$345,00011,499
Premises and equipment expense$17,00013,728
Additional noninterest expense$73,00013,736
Pre-tax net operating income$399,0009,259
Securities gains (losses)$08,369
Applicable income taxes$123,0009,281
Income before extraordinary items$276,0009,609
Extraordinary gains, net$01,422
Net income$276,0009,745
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$39,0008,076
Cash dividends$111,0006,367
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$276,0009,241

* 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.