Home > F & M Bank - Martinsburg > Income and Expense
F & M Bank - Martinsburg, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,771,000 | 4,073 |
| Total interest expense | $3,426,000 | 4,211 |
| Net interest income | $4,345,000 | 3,932 |
| Provision for loan and lease losses | $120,000 | 4,629 |
| Total noninterest income | $450,000 | 5,328 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $343,000 | 3,675 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $107,000 | 6,595 |
| Total noninterest expense | $3,114,000 | 3,978 |
| Salaries and employee benefits | $1,371,000 | 4,588 |
| Premises and equipment expense | $466,000 | 3,932 |
| Additional noninterest expense | $1,277,000 | 3,161 |
| Pre-tax net operating income | $1,561,000 | 4,342 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $480,000 | 4,331 |
| Income before extraordinary items | $1,081,000 | 4,425 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,081,000 | 4,426 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 4,640 |
| Cash dividends | $650,000 | 2,910 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,081,000 | 4,355 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,386,000 | 4,351 |
| Total interest expense | $3,385,000 | 4,319 |
| Net interest income | $4,001,000 | 4,322 |
| Provision for loan and lease losses | $120,000 | 4,568 |
| Total noninterest income | $378,000 | 6,132 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $260,000 | 4,682 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $118,000 | 6,646 |
| Total noninterest expense | $2,606,000 | 4,837 |
| Salaries and employee benefits | $1,196,000 | 5,223 |
| Premises and equipment expense | $457,000 | 4,060 |
| Additional noninterest expense | $953,000 | 4,583 |
| Pre-tax net operating income | $1,653,000 | 4,026 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $505,000 | 4,114 |
| Income before extraordinary items | $1,148,000 | 4,017 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,148,000 | 4,018 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 5,803 |
| Cash dividends | $600,000 | 3,013 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,148,000 | 3,961 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,110,000 | 4,492 |
| Total interest expense | $3,184,000 | 4,504 |
| Net interest income | $3,926,000 | 4,387 |
| Provision for loan and lease losses | $175,000 | 3,337 |
| Total noninterest income | $397,000 | 6,020 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $210,000 | 5,518 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $187,000 | 5,316 |
| Total noninterest expense | $2,589,000 | 4,845 |
| Salaries and employee benefits | $1,128,000 | 5,487 |
| Premises and equipment expense | $477,000 | 3,906 |
| Additional noninterest expense | $984,000 | 4,412 |
| Pre-tax net operating income | $1,559,000 | 4,315 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $427,000 | 4,722 |
| Income before extraordinary items | $1,132,000 | 4,144 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,132,000 | 4,141 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $207,000 | 2,435 |
| Cash dividends | $570,000 | 3,052 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,132,000 | 4,129 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,315,000 | 4,645 |
| Total interest expense | $2,585,000 | 4,506 |
| Net interest income | $3,730,000 | 4,664 |
| Provision for loan and lease losses | $160,000 | 3,463 |
| Total noninterest income | $324,000 | 6,964 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $195,000 | 5,959 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $129,000 | 6,698 |
| Total noninterest expense | $2,585,000 | 5,002 |
| Salaries and employee benefits | $1,127,000 | 5,538 |
| Premises and equipment expense | $451,000 | 4,141 |
| Additional noninterest expense | $1,007,000 | 4,679 |
| Pre-tax net operating income | $1,309,000 | 4,916 |
| Securities gains (losses) | $-5,000 | 9,408 |
| Applicable income taxes | $342,000 | 5,361 |
| Income before extraordinary items | $962,000 | 4,661 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $962,000 | 4,660 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 3,773 |
| Cash dividends | $500,000 | 3,161 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $965,700 | 4,700 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,775,000 | 5,130 |
| Total interest expense | $2,527,000 | 4,761 |
| Net interest income | $3,248,000 | 5,275 |
| Provision for loan and lease losses | $150,000 | 4,621 |
| Total noninterest income | $340,000 | 7,148 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $234,000 | 5,348 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $106,000 | 7,681 |
| Total noninterest expense | $2,254,000 | 5,750 |
| Salaries and employee benefits | $1,071,000 | 5,788 |
| Premises and equipment expense | $369,000 | 5,029 |
| Additional noninterest expense | $814,000 | 5,844 |
| Pre-tax net operating income | $1,184,000 | 5,235 |
| Securities gains (losses) | $6,000 | 5,977 |
| Applicable income taxes | $306,000 | 5,999 |
| Income before extraordinary items | $884,000 | 5,169 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $884,000 | 5,313 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 7,730 |
| Cash dividends | $477,000 | 3,239 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $879,560 | 4,962 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,741,000 | 5,704 |
| Total interest expense | $2,648,000 | 5,723 |
| Net interest income | $3,093,000 | 5,590 |
| Provision for loan and lease losses | $103,000 | 7,189 |
| Total noninterest income | $313,000 | 7,550 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $241,000 | 5,260 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $72,000 | 9,195 |
| Total noninterest expense | $2,090,000 | 6,160 |
| Salaries and employee benefits | $1,021,000 | 5,918 |
| Premises and equipment expense | $316,000 | 5,755 |
| Additional noninterest expense | $753,000 | 6,401 |
| Pre-tax net operating income | $1,213,000 | 4,878 |
| Securities gains (losses) | $2,000 | 7,695 |
| Applicable income taxes | $273,000 | 6,323 |
| Income before extraordinary items | $942,000 | 4,749 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $942,000 | 4,795 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 8,305 |
| Cash dividends | $414,000 | 3,223 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $940,440 | 4,435 |
* 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.