Home > F & M Bank-Kiel > Income and Expense
F & M Bank-Kiel, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,122,000 | 7,228 |
| Total interest expense | $1,545,000 | 6,866 |
| Net interest income | $1,577,000 | 7,441 |
| Provision for loan and lease losses | $60,000 | 6,124 |
| Total noninterest income | $134,000 | 8,330 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $43,000 | 8,006 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $91,000 | 6,849 |
| Total noninterest expense | $998,000 | 8,138 |
| Salaries and employee benefits | $455,000 | 8,596 |
| Premises and equipment expense | $86,000 | 8,905 |
| Additional noninterest expense | $457,000 | 6,843 |
| Pre-tax net operating income | $653,000 | 6,504 |
| Securities gains (losses) | $-104,000 | 9,959 |
| Applicable income taxes | $95,000 | 6,999 |
| Income before extraordinary items | $454,000 | 6,671 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $454,000 | 6,668 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 4,984 |
| Cash dividends | $700,000 | 2,895 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $540,320 | 6,195 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,269,000 | 7,207 |
| Total interest expense | $1,631,000 | 6,915 |
| Net interest income | $1,638,000 | 7,395 |
| Provision for loan and lease losses | $5,000 | 8,460 |
| Total noninterest income | $171,000 | 7,941 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $46,000 | 8,144 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $125,000 | 6,108 |
| Total noninterest expense | $941,000 | 8,309 |
| Salaries and employee benefits | $423,000 | 8,821 |
| Premises and equipment expense | $91,000 | 8,906 |
| Additional noninterest expense | $427,000 | 7,007 |
| Pre-tax net operating income | $863,000 | 5,866 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $236,000 | 5,775 |
| Income before extraordinary items | $627,000 | 5,924 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $627,000 | 5,923 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,250 |
| Cash dividends | $625,000 | 3,046 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $627,000 | 5,823 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,307,000 | 7,391 |
| Total interest expense | $1,686,000 | 6,913 |
| Net interest income | $1,621,000 | 7,727 |
| Provision for loan and lease losses | $68,000 | 5,978 |
| Total noninterest income | $105,000 | 9,314 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $46,000 | 8,517 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $59,000 | 8,059 |
| Total noninterest expense | $938,000 | 8,561 |
| Salaries and employee benefits | $408,000 | 9,211 |
| Premises and equipment expense | $102,000 | 8,911 |
| Additional noninterest expense | $428,000 | 7,122 |
| Pre-tax net operating income | $720,000 | 6,900 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $178,000 | 7,207 |
| Income before extraordinary items | $542,000 | 6,724 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $542,000 | 6,726 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 4,342 |
| Cash dividends | $525,000 | 3,359 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $542,000 | 6,668 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,109,000 | 7,868 |
| Total interest expense | $1,544,000 | 7,455 |
| Net interest income | $1,565,000 | 8,113 |
| Provision for loan and lease losses | $38,000 | 7,073 |
| Total noninterest income | $101,000 | 9,876 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $47,000 | 8,930 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $54,000 | 8,719 |
| Total noninterest expense | $910,000 | 9,027 |
| Salaries and employee benefits | $390,000 | 9,667 |
| Premises and equipment expense | $100,000 | 9,292 |
| Additional noninterest expense | $420,000 | 7,711 |
| Pre-tax net operating income | $718,000 | 6,853 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $189,000 | 7,300 |
| Income before extraordinary items | $529,000 | 6,708 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $529,000 | 6,711 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,500 |
| Cash dividends | $500,000 | 3,368 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $529,000 | 6,650 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,987,000 | 8,227 |
| Total interest expense | $1,354,000 | 8,104 |
| Net interest income | $1,633,000 | 8,184 |
| Provision for loan and lease losses | $66,000 | 5,523 |
| Total noninterest income | $108,000 | 10,102 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $39,000 | 9,556 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $69,000 | 8,396 |
| Total noninterest expense | $965,000 | 9,096 |
| Salaries and employee benefits | $410,000 | 9,868 |
| Premises and equipment expense | $101,000 | 9,601 |
| Additional noninterest expense | $454,000 | 7,674 |
| Pre-tax net operating income | $710,000 | 7,274 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $212,000 | 7,226 |
| Income before extraordinary items | $498,000 | 7,271 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $498,000 | 7,270 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,925 |
| Cash dividends | $475,000 | 3,477 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $498,000 | 7,232 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,525,000 | 8,864 |
| Total interest expense | $1,020,000 | 8,606 |
| Net interest income | $1,505,000 | 8,876 |
| Provision for loan and lease losses | $54,000 | 5,980 |
| Total noninterest income | $100,000 | 10,747 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $27,000 | 10,401 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $73,000 | 8,528 |
| Total noninterest expense | $977,000 | 9,452 |
| Salaries and employee benefits | $380,000 | 10,465 |
| Premises and equipment expense | $111,000 | 9,669 |
| Additional noninterest expense | $486,000 | 7,991 |
| Pre-tax net operating income | $574,000 | 8,161 |
| Securities gains (losses) | $-4,000 | 9,291 |
| Applicable income taxes | $163,000 | 8,057 |
| Income before extraordinary items | $407,000 | 8,143 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $407,000 | 8,146 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,524 |
| Cash dividends | $400,000 | 3,689 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $409,840 | 8,157 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,329,000 | 9,506 |
| Total interest expense | $955,000 | 9,314 |
| Net interest income | $1,374,000 | 9,495 |
| Provision for loan and lease losses | $73,000 | 6,535 |
| Total noninterest income | $106,000 | 11,176 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $22,000 | 10,960 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $84,000 | 8,451 |
| Total noninterest expense | $898,000 | 10,198 |
| Salaries and employee benefits | $355,000 | 11,094 |
| Premises and equipment expense | $102,000 | 10,386 |
| Additional noninterest expense | $441,000 | 8,808 |
| Pre-tax net operating income | $509,000 | 8,607 |
| Securities gains (losses) | $28,000 | 4,186 |
| Applicable income taxes | $180,000 | 8,011 |
| Income before extraordinary items | $357,000 | 8,858 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $357,000 | 9,030 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 7,153 |
| Cash dividends | $300,000 | 4,359 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $338,520 | 8,792 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,461,000 | 9,988 |
| Total interest expense | $1,178,000 | 9,681 |
| Net interest income | $1,283,000 | 10,023 |
| Provision for loan and lease losses | $66,000 | 8,365 |
| Total noninterest income | $59,000 | 12,872 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $21,000 | 11,340 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $38,000 | 11,181 |
| Total noninterest expense | $846,000 | 10,777 |
| Salaries and employee benefits | $346,000 | 11,488 |
| Premises and equipment expense | $95,000 | 10,910 |
| Additional noninterest expense | $405,000 | 9,500 |
| Pre-tax net operating income | $430,000 | 8,961 |
| Securities gains (losses) | $1,000 | 7,986 |
| Applicable income taxes | $140,000 | 8,887 |
| Income before extraordinary items | $291,000 | 9,440 |
| Extraordinary gains, net | $-42,000 | 13,572 |
| Net income | $249,000 | 10,080 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 9,186 |
| Cash dividends | $200,000 | 4,982 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $290,320 | 9,061 |
* 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.