Home > F&M Bank-Emporia > Income and Expense
F&M Bank-Emporia, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $9,298,000 | 3,529 |
| Total interest expense | $5,520,000 | 2,876 |
| Net interest income | $3,778,000 | 4,315 |
| Provision for loan and lease losses | $288,000 | 3,315 |
| Total noninterest income | $3,444,000 | 1,328 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $831,000 | 1,839 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $2,613,000 | 1,034 |
| Total noninterest expense | $6,635,000 | 2,163 |
| Salaries and employee benefits | $1,641,000 | 4,224 |
| Premises and equipment expense | $509,000 | 3,815 |
| Additional noninterest expense | $4,485,000 | 1,060 |
| Pre-tax net operating income | $299,000 | 7,418 |
| Securities gains (losses) | $996,000 | 402 |
| Applicable income taxes | $440,000 | 3,544 |
| Income before extraordinary items | $855,000 | 4,701 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $855,000 | 4,704 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $434,000 | 1,729 |
| Cash dividends | $450,000 | 3,641 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $197,640 | 7,642 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,476,000 | 4,348 |
| Total interest expense | $3,991,000 | 3,988 |
| Net interest income | $3,485,000 | 4,627 |
| Provision for loan and lease losses | $55,000 | 6,399 |
| Total noninterest income | $860,000 | 3,501 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $650,000 | 2,125 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $210,000 | 4,684 |
| Total noninterest expense | $2,283,000 | 5,184 |
| Salaries and employee benefits | $1,111,000 | 5,522 |
| Premises and equipment expense | $249,000 | 6,065 |
| Additional noninterest expense | $923,000 | 4,259 |
| Pre-tax net operating income | $2,007,000 | 3,319 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $657,000 | 2,937 |
| Income before extraordinary items | $1,350,000 | 3,533 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,350,000 | 3,533 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 4,757 |
| Cash dividends | $972,000 | 2,355 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,350,000 | 3,520 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,211,000 | 5,422 |
| Total interest expense | $2,287,000 | 5,500 |
| Net interest income | $2,924,000 | 5,261 |
| Provision for loan and lease losses | $40,000 | 6,849 |
| Total noninterest income | $581,000 | 4,519 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $398,000 | 3,228 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $183,000 | 5,146 |
| Total noninterest expense | $1,680,000 | 6,341 |
| Salaries and employee benefits | $877,000 | 6,415 |
| Premises and equipment expense | $213,000 | 6,603 |
| Additional noninterest expense | $590,000 | 5,891 |
| Pre-tax net operating income | $1,785,000 | 3,639 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $580,000 | 3,291 |
| Income before extraordinary items | $1,205,000 | 3,862 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,205,000 | 3,863 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,499 |
| Cash dividends | $1,251,000 | 1,911 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,205,000 | 3,830 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,179,000 | 5,545 |
| Total interest expense | $2,256,000 | 5,736 |
| Net interest income | $2,923,000 | 5,225 |
| Provision for loan and lease losses | $34,000 | 7,219 |
| Total noninterest income | $468,000 | 5,125 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $314,000 | 3,803 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $154,000 | 5,613 |
| Total noninterest expense | $1,618,000 | 6,397 |
| Salaries and employee benefits | $882,000 | 6,295 |
| Premises and equipment expense | $154,000 | 7,558 |
| Additional noninterest expense | $582,000 | 5,867 |
| Pre-tax net operating income | $1,739,000 | 3,739 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $567,000 | 3,548 |
| Income before extraordinary items | $1,172,000 | 4,006 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,172,000 | 4,005 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,546 |
| Cash dividends | $1,128,000 | 2,041 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,172,000 | 3,914 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,007,000 | 5,800 |
| Total interest expense | $2,217,000 | 5,847 |
| Net interest income | $2,790,000 | 5,595 |
| Provision for loan and lease losses | $20,000 | 7,880 |
| Total noninterest income | $484,000 | 5,104 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $287,000 | 4,218 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $197,000 | 4,992 |
| Total noninterest expense | $1,628,000 | 6,478 |
| Salaries and employee benefits | $891,000 | 6,336 |
| Premises and equipment expense | $198,000 | 6,892 |
| Additional noninterest expense | $539,000 | 6,199 |
| Pre-tax net operating income | $1,626,000 | 4,173 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $514,000 | 4,132 |
| Income before extraordinary items | $1,112,000 | 4,323 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,112,000 | 4,324 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,835 |
| Cash dividends | $600,000 | 3,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,112,000 | 4,254 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,865,000 | 6,061 |
| Total interest expense | $2,168,000 | 6,094 |
| Net interest income | $2,697,000 | 5,887 |
| Provision for loan and lease losses | $20,000 | 7,945 |
| Total noninterest income | $467,000 | 5,403 |
| 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 | $170,000 | 5,600 |
| Total noninterest expense | $1,512,000 | 7,080 |
| Salaries and employee benefits | $812,000 | 6,920 |
| Premises and equipment expense | $219,000 | 6,706 |
| Additional noninterest expense | $481,000 | 7,208 |
| Pre-tax net operating income | $1,632,000 | 4,063 |
| Securities gains (losses) | $-1,000 | 9,274 |
| Applicable income taxes | $536,000 | 3,926 |
| Income before extraordinary items | $1,095,000 | 4,168 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,095,000 | 4,169 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 6,315 |
| Cash dividends | $516,000 | 3,319 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,095,670 | 4,110 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,527,000 | 6,433 |
| Total interest expense | $1,954,000 | 6,578 |
| Net interest income | $2,573,000 | 6,175 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $479,000 | 5,339 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $305,000 | 4,239 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $174,000 | 5,545 |
| Total noninterest expense | $1,571,000 | 7,061 |
| Salaries and employee benefits | $750,000 | 7,398 |
| Premises and equipment expense | $229,000 | 6,680 |
| Additional noninterest expense | $592,000 | 6,583 |
| Pre-tax net operating income | $1,481,000 | 4,502 |
| Securities gains (losses) | $-26,000 | 10,740 |
| Applicable income taxes | $469,000 | 4,396 |
| Income before extraordinary items | $986,000 | 4,675 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $986,000 | 4,674 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,236 |
| Cash dividends | $500,000 | 3,291 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,003,680 | 4,580 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,450,000 | 6,193 |
| Total interest expense | $1,915,000 | 5,806 |
| Net interest income | $2,535,000 | 6,406 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $437,000 | 5,797 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $278,000 | 4,643 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $159,000 | 6,034 |
| Total noninterest expense | $1,548,000 | 7,444 |
| Salaries and employee benefits | $748,000 | 7,536 |
| Premises and equipment expense | $225,000 | 6,963 |
| Additional noninterest expense | $575,000 | 7,213 |
| Pre-tax net operating income | $1,424,000 | 4,614 |
| Securities gains (losses) | $1,000 | 3,293 |
| Applicable income taxes | $444,000 | 4,438 |
| Income before extraordinary items | $981,000 | 4,604 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $981,000 | 4,603 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-143,000 | 12,330 |
| Cash dividends | $450,000 | 3,436 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $980,310 | 4,644 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,741,000 | 6,043 |
| Total interest expense | $2,198,000 | 5,379 |
| Net interest income | $2,543,000 | 6,459 |
| Provision for loan and lease losses | $44,000 | 7,799 |
| Total noninterest income | $432,000 | 6,160 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $278,000 | 4,718 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $154,000 | 6,477 |
| Total noninterest expense | $1,659,000 | 7,327 |
| Salaries and employee benefits | $761,000 | 7,566 |
| Premises and equipment expense | $200,000 | 7,681 |
| Additional noninterest expense | $698,000 | 6,580 |
| Pre-tax net operating income | $1,272,000 | 4,953 |
| Securities gains (losses) | $79,000 | 2,808 |
| Applicable income taxes | $418,000 | 4,848 |
| Income before extraordinary items | $933,000 | 4,950 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $933,000 | 5,093 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 4,760 |
| Cash dividends | $235,000 | 5,068 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $878,490 | 4,966 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,955,000 | 6,435 |
| Total interest expense | $2,473,000 | 6,041 |
| Net interest income | $2,482,000 | 6,642 |
| Provision for loan and lease losses | $117,000 | 6,890 |
| Total noninterest income | $419,000 | 6,363 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $272,000 | 4,799 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $147,000 | 6,714 |
| Total noninterest expense | $1,476,000 | 8,006 |
| Salaries and employee benefits | $719,000 | 7,841 |
| Premises and equipment expense | $215,000 | 7,514 |
| Additional noninterest expense | $542,000 | 8,058 |
| Pre-tax net operating income | $1,308,000 | 4,585 |
| Securities gains (losses) | $16,000 | 5,884 |
| Applicable income taxes | $415,000 | 4,653 |
| Income before extraordinary items | $909,000 | 4,896 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $909,000 | 4,946 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 7,310 |
| Cash dividends | $170,000 | 5,484 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $897,960 | 4,630 |
* 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.