Home > F & M Bank-Lancaster > Income and Expense

F & M Bank-Lancaster, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$3,003,000	7,984
Total interest expense	$1,517,000	7,533
Net interest income	$1,486,000	8,300
Provision for loan and lease losses	$20,000	7,945
Total noninterest income	$221,000	7,946
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$98,000	7,537
Trading account gains and fees	NA	NA
Additional Noninterest Income	$123,000	6,525
Total noninterest expense	$1,118,000	8,266
Salaries and employee benefits	$565,000	8,365
Premises and equipment expense	$146,000	8,152
Additional noninterest expense	$407,000	7,824
Pre-tax net operating income	$569,000	7,575
Securities gains (losses)	$0	4,148
Applicable income taxes	$110,000	8,579
Income before extraordinary items	$459,000	7,174
Extraordinary gains, net	$0	53
Net income	$459,000	7,177
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,805
Cash dividends	$300,000	4,471
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$459,000	7,124
1995-12-31 (YTD Data)		Rank
Total interest income	$2,853,000	8,430
Total interest expense	$1,342,000	8,137
Net interest income	$1,511,000	8,500
Provision for loan and lease losses	$30,000	7,070
Total noninterest income	$187,000	8,635
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$82,000	8,261
Trading account gains and fees	NA	NA
Additional Noninterest Income	$105,000	7,073
Total noninterest expense	$1,118,000	8,502
Salaries and employee benefits	$597,000	8,372
Premises and equipment expense	$151,000	8,239
Additional noninterest expense	$370,000	8,491
Pre-tax net operating income	$550,000	8,179
Securities gains (losses)	$1,000	3,512
Applicable income taxes	$125,000	8,715
Income before extraordinary items	$426,000	7,833
Extraordinary gains, net	$0	65
Net income	$426,000	7,832
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	10,004
Cash dividends	$300,000	4,483
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$425,230	7,811
1994-12-31 (YTD Data)		Rank
Total interest income	$2,567,000	8,794
Total interest expense	$1,073,000	8,384
Net interest income	$1,494,000	8,899
Provision for loan and lease losses	$34,000	6,932
Total noninterest income	$162,000	9,470
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$71,000	8,971
Trading account gains and fees	NA	NA
Additional Noninterest Income	$91,000	7,803
Total noninterest expense	$1,203,000	8,590
Salaries and employee benefits	$612,000	8,534
Premises and equipment expense	$151,000	8,529
Additional noninterest expense	$440,000	8,419
Pre-tax net operating income	$419,000	9,213
Securities gains (losses)	$0	3,600
Applicable income taxes	$79,000	9,837
Income before extraordinary items	$340,000	8,721
Extraordinary gains, net	$0	249
Net income	$340,000	8,723
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$29,000	6,043
Cash dividends	$300,000	4,418
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$340,000	8,787
1993-12-31 (YTD Data)		Rank
Total interest income	$2,478,000	9,227
Total interest expense	$1,037,000	8,935
Net interest income	$1,441,000	9,301
Provision for loan and lease losses	$45,000	7,729
Total noninterest income	$223,000	8,807
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$70,000	9,341
Trading account gains and fees	NA	NA
Additional Noninterest Income	$153,000	6,500
Total noninterest expense	$1,095,000	9,339
Salaries and employee benefits	$582,000	8,957
Premises and equipment expense	$151,000	8,878
Additional noninterest expense	$362,000	9,699
Pre-tax net operating income	$524,000	8,499
Securities gains (losses)	$20,000	4,664
Applicable income taxes	$139,000	8,881
Income before extraordinary items	$405,000	8,374
Extraordinary gains, net	$0	3,149
Net income	$405,000	8,535
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	9,922
Cash dividends	$375,000	3,834
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$390,200	8,264
1992-12-31 (YTD Data)		Rank
Total interest income	$2,725,000	9,486
Total interest expense	$1,267,000	9,371
Net interest income	$1,458,000	9,416
Provision for loan and lease losses	$20,000	10,574
Total noninterest income	$137,000	10,753
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$69,000	9,583
Trading account gains and fees	NA	NA
Additional Noninterest Income	$68,000	9,388
Total noninterest expense	$1,201,000	9,030
Salaries and employee benefits	$558,000	9,200
Premises and equipment expense	$130,000	9,690
Additional noninterest expense	$513,000	8,331
Pre-tax net operating income	$374,000	9,475
Securities gains (losses)	$15,000	5,962
Applicable income taxes	$85,000	10,309
Income before extraordinary items	$304,000	9,262
Extraordinary gains, net	$32,000	1,112
Net income	$336,000	9,011
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-10,000	12,801
Cash dividends	$225,000	4,732
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$292,300	9,040

* 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.