Home > F&M Bank-Elkhorn > Income and Expense
F&M Bank-Elkhorn, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,996,000 | 4,399 |
| Total interest expense | $2,975,000 | 4,637 |
| Net interest income | $4,021,000 | 4,158 |
| Provision for loan and lease losses | $33,000 | 7,151 |
| Total noninterest income | $439,000 | 5,345 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $282,000 | 4,159 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $157,000 | 5,495 |
| Total noninterest expense | $2,190,000 | 5,345 |
| Salaries and employee benefits | $1,116,000 | 5,437 |
| Premises and equipment expense | $281,000 | 5,670 |
| Additional noninterest expense | $793,000 | 4,813 |
| Pre-tax net operating income | $2,237,000 | 3,054 |
| Securities gains (losses) | $-110,000 | 9,973 |
| Applicable income taxes | $786,000 | 2,679 |
| Income before extraordinary items | $1,341,000 | 3,547 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,341,000 | 3,547 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $283,000 | 1,900 |
| Cash dividends | $1,852,000 | 1,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,411,400 | 3,360 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,672,000 | 4,085 |
| Total interest expense | $3,631,000 | 3,994 |
| Net interest income | $4,041,000 | 4,088 |
| Provision for loan and lease losses | $560,000 | 1,578 |
| Total noninterest income | $487,000 | 5,018 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $315,000 | 3,792 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $172,000 | 5,341 |
| Total noninterest expense | $2,266,000 | 5,109 |
| Salaries and employee benefits | $1,120,000 | 5,334 |
| Premises and equipment expense | $252,000 | 5,932 |
| Additional noninterest expense | $894,000 | 4,312 |
| Pre-tax net operating income | $1,702,000 | 3,795 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $643,000 | 3,230 |
| Income before extraordinary items | $1,059,000 | 4,308 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,059,000 | 4,307 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $190,000 | 2,532 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,059,000 | 4,213 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,958,000 | 4,522 |
| Total interest expense | $3,426,000 | 4,211 |
| Net interest income | $3,532,000 | 4,699 |
| Provision for loan and lease losses | $170,000 | 3,857 |
| Total noninterest income | $557,000 | 4,652 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $311,000 | 3,961 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $246,000 | 4,403 |
| Total noninterest expense | $1,886,000 | 5,886 |
| Salaries and employee benefits | $989,000 | 5,912 |
| Premises and equipment expense | $244,000 | 6,139 |
| Additional noninterest expense | $653,000 | 5,486 |
| Pre-tax net operating income | $2,033,000 | 3,479 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $748,000 | 3,084 |
| Income before extraordinary items | $1,285,000 | 3,833 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,285,000 | 3,832 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 3,050 |
| Cash dividends | $121,000 | 6,217 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,285,000 | 3,766 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,124,000 | 5,107 |
| Total interest expense | $2,938,000 | 4,864 |
| Net interest income | $3,186,000 | 5,208 |
| Provision for loan and lease losses | $320,000 | 2,449 |
| Total noninterest income | $539,000 | 4,909 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $297,000 | 4,259 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $242,000 | 4,626 |
| Total noninterest expense | $1,778,000 | 6,438 |
| Salaries and employee benefits | $944,000 | 6,246 |
| Premises and equipment expense | $234,000 | 6,482 |
| Additional noninterest expense | $600,000 | 6,357 |
| Pre-tax net operating income | $1,627,000 | 4,072 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $619,000 | 3,498 |
| Income before extraordinary items | $1,008,000 | 4,477 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,008,000 | 4,478 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $149,000 | 3,188 |
| Cash dividends | $26,000 | 7,957 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,008,000 | 4,416 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,290,000 | 5,745 |
| Total interest expense | $2,766,000 | 5,109 |
| Net interest income | $2,524,000 | 6,269 |
| Provision for loan and lease losses | $145,000 | 3,721 |
| Total noninterest income | $332,000 | 6,696 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $244,000 | 5,026 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $88,000 | 7,639 |
| Total noninterest expense | $1,664,000 | 6,815 |
| Salaries and employee benefits | $874,000 | 6,683 |
| Premises and equipment expense | $188,000 | 7,429 |
| Additional noninterest expense | $602,000 | 6,524 |
| Pre-tax net operating income | $1,047,000 | 5,807 |
| Securities gains (losses) | $-1,000 | 9,017 |
| Applicable income taxes | $392,000 | 5,017 |
| Income before extraordinary items | $654,000 | 6,279 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $654,000 | 6,276 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $88,000 | 4,028 |
| Cash dividends | $46,000 | 7,880 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $654,640 | 6,264 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,346,000 | 6,311 |
| Total interest expense | $1,837,000 | 5,977 |
| Net interest income | $2,509,000 | 6,470 |
| Provision for loan and lease losses | $140,000 | 3,750 |
| Total noninterest income | $315,000 | 7,052 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $230,000 | 5,352 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $85,000 | 8,027 |
| Total noninterest expense | $1,407,000 | 7,891 |
| Salaries and employee benefits | $716,000 | 7,760 |
| Premises and equipment expense | $116,000 | 9,514 |
| Additional noninterest expense | $575,000 | 7,213 |
| Pre-tax net operating income | $1,277,000 | 5,006 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $477,000 | 4,197 |
| Income before extraordinary items | $800,000 | 5,374 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $800,000 | 5,389 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,780 |
| Cash dividends | $43,000 | 8,128 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $800,000 | 5,433 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,914,000 | 6,966 |
| Total interest expense | $1,744,000 | 6,502 |
| Net interest income | $2,170,000 | 7,254 |
| Provision for loan and lease losses | $150,000 | 4,621 |
| Total noninterest income | $284,000 | 7,883 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $208,000 | 5,829 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $76,000 | 8,800 |
| Total noninterest expense | $1,187,000 | 8,942 |
| Salaries and employee benefits | $568,000 | 9,068 |
| Premises and equipment expense | $92,000 | 10,712 |
| Additional noninterest expense | $527,000 | 7,978 |
| Pre-tax net operating income | $1,117,000 | 5,461 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $434,000 | 4,719 |
| Income before extraordinary items | $683,000 | 6,219 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $683,000 | 6,387 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 4,512 |
| Cash dividends | $44,000 | 8,137 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $683,000 | 5,959 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,758,000 | 7,829 |
| Total interest expense | $1,872,000 | 7,415 |
| Net interest income | $1,886,000 | 8,090 |
| Provision for loan and lease losses | $105,000 | 7,133 |
| Total noninterest income | $237,000 | 8,727 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $169,000 | 6,633 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $68,000 | 9,388 |
| Total noninterest expense | $1,063,000 | 9,695 |
| Salaries and employee benefits | $506,000 | 9,728 |
| Premises and equipment expense | $98,000 | 10,802 |
| Additional noninterest expense | $459,000 | 8,878 |
| Pre-tax net operating income | $955,000 | 5,829 |
| Securities gains (losses) | $25,000 | 5,285 |
| Applicable income taxes | $399,000 | 4,805 |
| Income before extraordinary items | $581,000 | 6,695 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $581,000 | 6,778 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 6,412 |
| Cash dividends | $45,000 | 7,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $565,000 | 6,467 |
* 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.