Home > F & M Bank-Keyser, Inc. > Income and Expense
F & M Bank-Keyser, Inc., Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,445,000 | 4,265 |
| Total interest expense | $3,025,000 | 4,678 |
| Net interest income | $4,420,000 | 3,863 |
| Provision for loan and lease losses | $64,000 | 6,078 |
| Total noninterest income | $361,000 | 6,080 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $156,000 | 6,073 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $205,000 | 4,893 |
| Total noninterest expense | $2,408,000 | 4,937 |
| Salaries and employee benefits | $1,141,000 | 5,309 |
| Premises and equipment expense | $312,000 | 5,324 |
| Additional noninterest expense | $955,000 | 4,074 |
| Pre-tax net operating income | $2,309,000 | 3,112 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $879,000 | 2,714 |
| Income before extraordinary items | $1,430,000 | 3,490 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,430,000 | 3,490 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $150,000 | 3,029 |
| Cash dividends | $801,000 | 2,543 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,430,000 | 3,417 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,023,000 | 4,565 |
| Total interest expense | $2,708,000 | 5,212 |
| Net interest income | $4,315,000 | 4,022 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $205,000 | 8,157 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $129,000 | 6,881 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $76,000 | 7,879 |
| Total noninterest expense | $2,459,000 | 5,072 |
| Salaries and employee benefits | $1,117,000 | 5,530 |
| Premises and equipment expense | $355,000 | 4,979 |
| Additional noninterest expense | $987,000 | 4,452 |
| Pre-tax net operating income | $2,061,000 | 3,343 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $794,000 | 2,867 |
| Income before extraordinary items | $1,267,000 | 3,698 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,267,000 | 3,697 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $200,000 | 2,671 |
| Cash dividends | $760,000 | 2,590 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,267,000 | 3,650 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,893,000 | 4,628 |
| Total interest expense | $2,598,000 | 5,395 |
| Net interest income | $4,295,000 | 4,071 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $362,000 | 6,344 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $250,000 | 4,959 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $112,000 | 6,865 |
| Total noninterest expense | $2,483,000 | 5,023 |
| Salaries and employee benefits | $1,092,000 | 5,632 |
| Premises and equipment expense | $342,000 | 5,108 |
| Additional noninterest expense | $1,049,000 | 4,188 |
| Pre-tax net operating income | $2,174,000 | 3,245 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $771,000 | 2,977 |
| Income before extraordinary items | $1,403,000 | 3,453 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,403,000 | 3,451 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,320 |
| Cash dividends | $705,000 | 2,632 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,403,000 | 3,424 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,350,000 | 4,621 |
| Total interest expense | $2,481,000 | 4,693 |
| Net interest income | $3,869,000 | 4,518 |
| Provision for loan and lease losses | $32,000 | 7,014 |
| Total noninterest income | $429,000 | 5,866 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $206,000 | 5,747 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $223,000 | 4,919 |
| Total noninterest expense | $2,298,000 | 5,548 |
| Salaries and employee benefits | $1,044,000 | 5,883 |
| Premises and equipment expense | $267,000 | 6,229 |
| Additional noninterest expense | $987,000 | 4,756 |
| Pre-tax net operating income | $1,968,000 | 3,480 |
| Securities gains (losses) | $10,000 | 2,219 |
| Applicable income taxes | $697,000 | 3,099 |
| Income before extraordinary items | $1,281,000 | 3,643 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,281,000 | 3,652 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,338 |
| Cash dividends | $660,000 | 2,628 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,274,500 | 3,695 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,924,000 | 4,353 |
| Total interest expense | $2,571,000 | 4,690 |
| Net interest income | $4,353,000 | 4,076 |
| Provision for loan and lease losses | $72,000 | 6,563 |
| Total noninterest income | $437,000 | 6,114 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $197,000 | 6,027 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $240,000 | 5,118 |
| Total noninterest expense | $2,305,000 | 5,655 |
| Salaries and employee benefits | $1,049,000 | 5,882 |
| Premises and equipment expense | $269,000 | 6,349 |
| Additional noninterest expense | $987,000 | 4,973 |
| Pre-tax net operating income | $2,413,000 | 2,794 |
| Securities gains (losses) | $8,000 | 5,699 |
| Applicable income taxes | $849,000 | 2,631 |
| Income before extraordinary items | $1,572,000 | 3,100 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,572,000 | 3,187 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 5,571 |
| Cash dividends | $580,000 | 2,732 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,566,800 | 2,934 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,287,000 | 4,662 |
| Total interest expense | $3,505,000 | 4,539 |
| Net interest income | $3,782,000 | 4,682 |
| Provision for loan and lease losses | $96,000 | 7,391 |
| Total noninterest income | $337,000 | 7,259 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $182,000 | 6,352 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $155,000 | 6,528 |
| Total noninterest expense | $2,342,000 | 5,606 |
| Salaries and employee benefits | $1,050,000 | 5,779 |
| Premises and equipment expense | $294,000 | 6,065 |
| Additional noninterest expense | $998,000 | 5,059 |
| Pre-tax net operating income | $1,681,000 | 3,651 |
| Securities gains (losses) | $19,000 | 5,661 |
| Applicable income taxes | $541,000 | 3,736 |
| Income before extraordinary items | $1,159,000 | 3,920 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,159,000 | 3,962 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $174,000 | 4,520 |
| Cash dividends | $525,000 | 2,663 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,146,080 | 3,687 |
* 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.