Home > F&M Bank-Lakeland > Income and Expense
F&M Bank-Lakeland, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $12,831,000 | 2,555 |
| Total interest expense | $5,313,000 | 2,756 |
| Net interest income | $7,518,000 | 2,349 |
| Provision for loan and lease losses | $347,000 | 2,377 |
| Total noninterest income | $1,106,000 | 2,879 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $558,000 | 2,387 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $548,000 | 2,788 |
| Total noninterest expense | $5,067,000 | 2,657 |
| Salaries and employee benefits | $2,218,000 | 3,120 |
| Premises and equipment expense | $887,000 | 2,291 |
| Additional noninterest expense | $1,962,000 | 2,230 |
| Pre-tax net operating income | $3,210,000 | 2,267 |
| Securities gains (losses) | $-80,000 | 9,910 |
| Applicable income taxes | $1,043,000 | 2,152 |
| Income before extraordinary items | $2,087,000 | 2,480 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,087,000 | 2,481 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 3,756 |
| Cash dividends | $1,200,000 | 1,962 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,140,600 | 2,399 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $12,569,000 | 2,600 |
| Total interest expense | $5,001,000 | 2,997 |
| Net interest income | $7,568,000 | 2,256 |
| Provision for loan and lease losses | $233,000 | 3,191 |
| Total noninterest income | $1,063,000 | 2,948 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $546,000 | 2,360 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $517,000 | 2,920 |
| Total noninterest expense | $4,516,000 | 2,879 |
| Salaries and employee benefits | $2,111,000 | 3,170 |
| Premises and equipment expense | $742,000 | 2,622 |
| Additional noninterest expense | $1,663,000 | 2,507 |
| Pre-tax net operating income | $3,882,000 | 1,881 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,376,000 | 1,759 |
| Income before extraordinary items | $2,506,000 | 2,080 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,506,000 | 2,079 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 3,550 |
| Cash dividends | $1,500,000 | 1,647 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,506,000 | 2,009 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $11,941,000 | 2,747 |
| Total interest expense | $4,923,000 | 3,029 |
| Net interest income | $7,018,000 | 2,473 |
| Provision for loan and lease losses | $252,000 | 2,917 |
| Total noninterest income | $938,000 | 3,204 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $575,000 | 2,279 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $363,000 | 3,505 |
| Total noninterest expense | $4,347,000 | 2,925 |
| Salaries and employee benefits | $2,075,000 | 3,194 |
| Premises and equipment expense | $790,000 | 2,452 |
| Additional noninterest expense | $1,482,000 | 2,763 |
| Pre-tax net operating income | $3,357,000 | 2,252 |
| Securities gains (losses) | $3,000 | 3,097 |
| Applicable income taxes | $1,165,000 | 2,141 |
| Income before extraordinary items | $2,195,000 | 2,371 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,195,000 | 2,371 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 3,491 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,193,050 | 2,316 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $10,056,000 | 3,263 |
| Total interest expense | $3,958,000 | 3,742 |
| Net interest income | $6,098,000 | 2,910 |
| Provision for loan and lease losses | $192,000 | 3,515 |
| Total noninterest income | $790,000 | 3,751 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $478,000 | 2,829 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $312,000 | 3,980 |
| Total noninterest expense | $3,728,000 | 3,560 |
| Salaries and employee benefits | $1,809,000 | 3,648 |
| Premises and equipment expense | $667,000 | 2,922 |
| Additional noninterest expense | $1,252,000 | 3,648 |
| Pre-tax net operating income | $2,968,000 | 2,397 |
| Securities gains (losses) | $-36,000 | 10,916 |
| Applicable income taxes | $1,053,000 | 2,237 |
| Income before extraordinary items | $1,879,000 | 2,590 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,879,000 | 2,592 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 5,120 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $2,000,000 | 295 |
| Net operating income | $1,902,040 | 2,513 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,499,000 | 4,268 |
| Total interest expense | $2,890,000 | 4,925 |
| Net interest income | $4,609,000 | 3,813 |
| Provision for loan and lease losses | $181,000 | 3,217 |
| Total noninterest income | $697,000 | 4,098 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $369,000 | 3,592 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $328,000 | 3,788 |
| Total noninterest expense | $2,981,000 | 4,307 |
| Salaries and employee benefits | $1,414,000 | 4,525 |
| Premises and equipment expense | $512,000 | 3,686 |
| Additional noninterest expense | $1,055,000 | 4,174 |
| Pre-tax net operating income | $2,144,000 | 3,278 |
| Securities gains (losses) | $3,000 | 3,092 |
| Applicable income taxes | $745,000 | 3,061 |
| Income before extraordinary items | $1,402,000 | 3,458 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,402,000 | 3,456 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 4,292 |
| Cash dividends | $500,000 | 3,291 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,400,050 | 3,437 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,974,000 | 4,884 |
| Total interest expense | $2,004,000 | 5,610 |
| Net interest income | $3,970,000 | 4,416 |
| Provision for loan and lease losses | $154,000 | 3,551 |
| Total noninterest income | $646,000 | 4,396 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $317,000 | 4,171 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $329,000 | 3,859 |
| Total noninterest expense | $3,017,000 | 4,388 |
| Salaries and employee benefits | $1,443,000 | 4,432 |
| Premises and equipment expense | $505,000 | 3,773 |
| Additional noninterest expense | $1,069,000 | 4,450 |
| Pre-tax net operating income | $1,445,000 | 4,552 |
| Securities gains (losses) | $-1,000 | 8,790 |
| Applicable income taxes | $449,000 | 4,398 |
| Income before extraordinary items | $995,000 | 4,569 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $995,000 | 4,570 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,490 |
| Cash dividends | $950,000 | 2,006 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $995,690 | 4,604 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,908,000 | 5,016 |
| Total interest expense | $2,091,000 | 5,630 |
| Net interest income | $3,817,000 | 4,593 |
| Provision for loan and lease losses | $129,000 | 5,042 |
| Total noninterest income | $677,000 | 4,544 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $301,000 | 4,413 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $376,000 | 3,913 |
| Total noninterest expense | $2,644,000 | 5,020 |
| Salaries and employee benefits | $1,304,000 | 4,862 |
| Premises and equipment expense | $484,000 | 3,981 |
| Additional noninterest expense | $856,000 | 5,594 |
| Pre-tax net operating income | $1,721,000 | 3,844 |
| Securities gains (losses) | $74,000 | 2,889 |
| Applicable income taxes | $614,000 | 3,530 |
| Income before extraordinary items | $1,181,000 | 4,077 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,181,000 | 4,181 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 4,649 |
| Cash dividends | $804,000 | 2,135 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,132,160 | 4,009 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,577,000 | 5,090 |
| Total interest expense | $2,735,000 | 5,577 |
| Net interest income | $3,842,000 | 4,620 |
| Provision for loan and lease losses | $157,000 | 5,959 |
| Total noninterest income | $566,000 | 5,183 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $269,000 | 4,842 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $297,000 | 4,460 |
| Total noninterest expense | $2,695,000 | 4,971 |
| Salaries and employee benefits | $1,253,000 | 4,970 |
| Premises and equipment expense | $453,000 | 4,319 |
| Additional noninterest expense | $989,000 | 5,096 |
| Pre-tax net operating income | $1,556,000 | 3,918 |
| Securities gains (losses) | $1,000 | 7,986 |
| Applicable income taxes | $515,000 | 3,907 |
| Income before extraordinary items | $1,042,000 | 4,337 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,042,000 | 4,379 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 8,990 |
| Cash dividends | $1,020,000 | 1,515 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,041,330 | 4,032 |
* 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.