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F&M Bank - Landmark, Income and Expense

1999-12-31 (YTD Data)Rank
Total interest income$3,597,0006,729
Total interest expense$1,374,0007,256
Net interest income$2,223,0006,237
Provision for loan and lease losses$213,0003,422
Total noninterest income$416,0005,492
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$310,0003,890
Trading account gains and feesNANA
Additional Noninterest Income$106,0006,493
Total noninterest expense$1,624,0006,476
Salaries and employee benefits$731,0007,071
Premises and equipment expense$295,0005,509
Additional noninterest expense$598,0005,834
Pre-tax net operating income$802,0005,923
Securities gains (losses)$-21,0009,563
Applicable income taxes$269,0005,047
Income before extraordinary items$512,0006,355
Extraordinary gains, net$035
Net income$512,0006,352
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$157,0002,777
Cash dividends$100,0006,057
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$525,8606,256
1998-12-31 (YTD Data)Rank
Total interest income$3,278,0007,195
Total interest expense$1,287,0007,707
Net interest income$1,991,0006,688
Provision for loan and lease losses$87,0005,436
Total noninterest income$303,0006,451
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$246,0004,540
Trading account gains and feesNANA
Additional Noninterest Income$57,0007,910
Total noninterest expense$1,631,0006,363
Salaries and employee benefits$854,0006,450
Premises and equipment expense$307,0005,321
Additional noninterest expense$470,0006,650
Pre-tax net operating income$576,0007,037
Securities gains (losses)$04,449
Applicable income taxes$201,0006,170
Income before extraordinary items$375,0007,367
Extraordinary gains, net$032
Net income$375,0007,366
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$32,0005,667
Cash dividends$225,0005,139
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$375,0007,294
1997-12-31 (YTD Data)Rank
Total interest income$3,033,0007,718
Total interest expense$1,261,0007,951
Net interest income$1,772,0007,379
Provision for loan and lease losses$13,0008,228
Total noninterest income$282,0006,851
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$205,0005,271
Trading account gains and feesNANA
Additional Noninterest Income$77,0007,483
Total noninterest expense$1,490,0006,811
Salaries and employee benefits$883,0006,378
Premises and equipment expense$275,0005,729
Additional noninterest expense$332,0007,985
Pre-tax net operating income$551,0007,667
Securities gains (losses)$11,0002,294
Applicable income taxes$207,0006,784
Income before extraordinary items$355,0007,958
Extraordinary gains, net$044
Net income$355,0007,962
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,0008,093
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$347,9607,961
1996-12-31 (YTD Data)Rank
Total interest income$2,769,0008,320
Total interest expense$1,181,0008,433
Net interest income$1,588,0008,058
Provision for loan and lease losses$84,0005,516
Total noninterest income$251,0007,564
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$206,0005,447
Trading account gains and feesNANA
Additional Noninterest Income$45,0009,116
Total noninterest expense$1,393,0007,414
Salaries and employee benefits$791,0007,025
Premises and equipment expense$318,0005,352
Additional noninterest expense$284,0009,049
Pre-tax net operating income$362,0008,738
Securities gains (losses)$1,0003,760
Applicable income taxes$125,0008,311
Income before extraordinary items$238,0008,930
Extraordinary gains, net$053
Net income$238,0008,932
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$32,0006,057
Cash dividends$81,0007,018
Sale, conversion, retirement of capital stock, net$0953
Net operating income$237,3408,882
1995-12-31 (YTD Data)Rank
Total interest income$2,585,0008,833
Total interest expense$1,104,0008,891
Net interest income$1,481,0008,585
Provision for loan and lease losses$08,958
Total noninterest income$204,0008,359
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$165,0006,347
Trading account gains and feesNANA
Additional Noninterest Income$39,0009,762
Total noninterest expense$1,261,0007,989
Salaries and employee benefits$685,0007,815
Premises and equipment expense$283,0005,881
Additional noninterest expense$293,0009,311
Pre-tax net operating income$424,0008,910
Securities gains (losses)$03,831
Applicable income taxes$181,0007,757
Income before extraordinary items$243,0009,476
Extraordinary gains, net$065
Net income$243,0009,481
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$28,0006,109
Cash dividends$302,0004,473
Sale, conversion, retirement of capital stock, net$0809
Net operating income$243,0009,458
1994-12-31 (YTD Data)Rank
Total interest income$2,102,0009,603
Total interest expense$728,0009,939
Net interest income$1,374,0009,232
Provision for loan and lease losses$09,146
Total noninterest income$184,0009,030
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$156,0006,747
Trading account gains and feesNANA
Additional Noninterest Income$28,00010,920
Total noninterest expense$1,227,0008,506
Salaries and employee benefits$643,0008,320
Premises and equipment expense$261,0006,340
Additional noninterest expense$323,0009,680
Pre-tax net operating income$331,0009,899
Securities gains (losses)$03,600
Applicable income taxes$129,0008,731
Income before extraordinary items$202,00010,248
Extraordinary gains, net$296,00052
Net income$498,0007,341
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,0008,704
Cash dividends$362,0003,985
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$202,00010,305
1993-12-31 (YTD Data)Rank
Total interest income$1,983,00010,216
Total interest expense$652,00010,859
Net interest income$1,331,0009,640
Provision for loan and lease losses$5,00010,098
Total noninterest income$172,0009,777
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$139,0007,368
Trading account gains and feesNANA
Additional Noninterest Income$33,00011,102
Total noninterest expense$1,170,0009,008
Salaries and employee benefits$605,0008,761
Premises and equipment expense$252,0006,639
Additional noninterest expense$313,00010,275
Pre-tax net operating income$328,0009,998
Securities gains (losses)$07,477
Applicable income taxes$128,0009,127
Income before extraordinary items$200,00010,659
Extraordinary gains, net$128,0001,362
Net income$328,0009,314
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$4,0009,293
Cash dividends$90,0007,115
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$200,00010,430
1992-12-31 (YTD Data)Rank
Total interest income$2,192,00010,493
Total interest expense$862,00011,039
Net interest income$1,330,0009,877
Provision for loan and lease losses$20,00010,574
Total noninterest income$163,00010,221
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$134,0007,552
Trading account gains and feesNANA
Additional Noninterest Income$29,00011,840
Total noninterest expense$1,175,0009,158
Salaries and employee benefits$599,0008,809
Premises and equipment expense$260,0006,601
Additional noninterest expense$316,00010,607
Pre-tax net operating income$298,00010,160
Securities gains (losses)$-1,00012,730
Applicable income taxes$114,0009,543
Income before extraordinary items$183,00010,829
Extraordinary gains, net$114,000685
Net income$297,0009,511
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-16,00013,003
Cash dividends$45,0007,841
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$183,64010,491

* 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.