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F & M Bank - Hilbert, Income and Expense

1999-12-31 (YTD Data)		Rank
Total interest income	$2,534,000	7,874
Total interest expense	$1,145,000	7,791
Net interest income	$1,389,000	7,797
Provision for loan and lease losses	$263,000	2,959
Total noninterest income	$102,000	8,791
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$47,000	7,913
Trading account gains and fees	NA	NA
Additional Noninterest Income	$55,000	7,882
Total noninterest expense	$817,000	8,677
Salaries and employee benefits	$377,000	9,016
Premises and equipment expense	$90,000	8,819
Additional noninterest expense	$350,000	7,704
Pre-tax net operating income	$411,000	7,547
Securities gains (losses)	$-38,000	9,727
Applicable income taxes	$73,000	7,293
Income before extraordinary items	$300,000	7,600
Extraordinary gains, net	$0	35
Net income	$300,000	7,598
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$228,000	2,211
Cash dividends	$300,000	4,494
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$330,400	7,372
1998-12-31 (YTD Data)		Rank
Total interest income	$2,627,000	7,949
Total interest expense	$1,190,000	7,932
Net interest income	$1,437,000	7,825
Provision for loan and lease losses	$95,000	5,236
Total noninterest income	$119,000	8,707
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$49,000	8,070
Trading account gains and fees	NA	NA
Additional Noninterest Income	$70,000	7,479
Total noninterest expense	$761,000	8,902
Salaries and employee benefits	$361,000	9,219
Premises and equipment expense	$93,000	8,867
Additional noninterest expense	$307,000	8,051
Pre-tax net operating income	$700,000	6,477
Securities gains (losses)	$0	4,449
Applicable income taxes	$209,000	6,091
Income before extraordinary items	$491,000	6,661
Extraordinary gains, net	$0	32
Net income	$491,000	6,660
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$67,000	4,364
Cash dividends	$300,000	4,531
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$491,000	6,545
1997-12-31 (YTD Data)		Rank
Total interest income	$2,483,000	8,404
Total interest expense	$1,106,000	8,393
Net interest income	$1,377,000	8,288
Provision for loan and lease losses	$58,000	6,402
Total noninterest income	$93,000	9,545
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$59,000	8,175
Trading account gains and fees	NA	NA
Additional Noninterest Income	$34,000	9,136
Total noninterest expense	$764,000	9,174
Salaries and employee benefits	$339,000	9,667
Premises and equipment expense	$95,000	9,079
Additional noninterest expense	$330,000	8,020
Pre-tax net operating income	$648,000	7,212
Securities gains (losses)	$0	3,944
Applicable income taxes	$182,000	7,145
Income before extraordinary items	$466,000	7,192
Extraordinary gains, net	$0	44
Net income	$466,000	7,193
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$59,000	4,842
Cash dividends	$225,000	5,132
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$466,000	7,142
1996-12-31 (YTD Data)		Rank
Total interest income	$2,202,000	9,096
Total interest expense	$991,000	9,040
Net interest income	$1,211,000	9,007
Provision for loan and lease losses	$33,000	7,304
Total noninterest income	$100,000	9,896
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$51,000	8,822
Trading account gains and fees	NA	NA
Additional Noninterest Income	$49,000	8,929
Total noninterest expense	$772,000	9,538
Salaries and employee benefits	$352,000	9,937
Premises and equipment expense	$88,000	9,600
Additional noninterest expense	$332,000	8,551
Pre-tax net operating income	$506,000	7,902
Securities gains (losses)	$0	4,148
Applicable income taxes	$126,000	8,285
Income before extraordinary items	$380,000	7,792
Extraordinary gains, net	$0	53
Net income	$380,000	7,789
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	8,612
Cash dividends	$300,000	4,471
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$380,000	7,730
1995-12-31 (YTD Data)		Rank
Total interest income	$2,109,000	9,554
Total interest expense	$914,000	9,567
Net interest income	$1,195,000	9,342
Provision for loan and lease losses	$23,000	7,541
Total noninterest income	$106,000	10,147
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$59,000	8,952
Trading account gains and fees	NA	NA
Additional Noninterest Income	$47,000	9,382
Total noninterest expense	$846,000	9,574
Salaries and employee benefits	$397,000	9,967
Premises and equipment expense	$98,000	9,671
Additional noninterest expense	$351,000	8,679
Pre-tax net operating income	$432,000	8,856
Securities gains (losses)	$0	3,831
Applicable income taxes	$98,000	9,217
Income before extraordinary items	$334,000	8,621
Extraordinary gains, net	$0	65
Net income	$334,000	8,625
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,856
Cash dividends	$300,000	4,483
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$334,000	8,589
1994-12-31 (YTD Data)		Rank
Total interest income	$1,791,000	10,190
Total interest expense	$656,000	10,327
Net interest income	$1,135,000	9,948
Provision for loan and lease losses	$36,000	6,762
Total noninterest income	$96,000	10,848
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$51,000	9,666
Trading account gains and fees	NA	NA
Additional Noninterest Income	$45,000	9,881
Total noninterest expense	$843,000	10,037
Salaries and employee benefits	$387,000	10,399
Premises and equipment expense	$101,000	9,993
Additional noninterest expense	$355,000	9,289
Pre-tax net operating income	$352,000	9,711
Securities gains (losses)	$0	3,600
Applicable income taxes	$63,000	10,161
Income before extraordinary items	$289,000	9,265
Extraordinary gains, net	$0	249
Net income	$289,000	9,274
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	7,099
Cash dividends	$275,000	4,709
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$289,000	9,329
1993-12-31 (YTD Data)		Rank
Total interest income	$1,748,000	10,709
Total interest expense	$696,000	10,610
Net interest income	$1,052,000	10,590
Provision for loan and lease losses	$6,000	10,012
Total noninterest income	$116,000	10,933
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$56,000	9,838
Trading account gains and fees	NA	NA
Additional Noninterest Income	$60,000	9,542
Total noninterest expense	$734,000	10,996
Salaries and employee benefits	$383,000	10,808
Premises and equipment expense	$94,000	10,650
Additional noninterest expense	$257,000	10,986
Pre-tax net operating income	$428,000	9,192
Securities gains (losses)	$19,000	4,737
Applicable income taxes	$109,000	9,529
Income before extraordinary items	$338,000	9,055
Extraordinary gains, net	$0	3,149
Net income	$338,000	9,227
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	11,050
Cash dividends	$240,000	4,974
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$323,560	8,948
1992-12-31 (YTD Data)		Rank
Total interest income	$1,874,000	11,150
Total interest expense	$824,000	11,217
Net interest income	$1,050,000	10,894
Provision for loan and lease losses	$15,000	10,851
Total noninterest income	$124,000	11,071
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$60,000	9,928
Trading account gains and fees	NA	NA
Additional Noninterest Income	$64,000	9,594
Total noninterest expense	$751,000	11,252
Salaries and employee benefits	$410,000	10,742
Premises and equipment expense	$88,000	11,176
Additional noninterest expense	$253,000	11,486
Pre-tax net operating income	$408,000	9,164
Securities gains (losses)	$9,000	6,537
Applicable income taxes	$103,000	9,836
Income before extraordinary items	$314,000	9,109
Extraordinary gains, net	$80,000	830
Net income	$394,000	8,409
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	10,255
Cash dividends	$356,000	3,604
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$307,250	8,847

* 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.