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F&M Bank - Maryland, Inc., Income and Expense

2001-12-31 (YTD Data)Rank
Total interest income$16,566,0002,067
Total interest expense$6,276,0002,548
Net interest income$10,290,0001,742
Provision for loan and lease losses$1,340,0001,000
Total noninterest income$1,888,0002,108
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$1,412,0001,054
Trading account gains and fees$0177
Additional Noninterest Income$476,0003,217
Total noninterest expense$8,813,0001,654
Salaries and employee benefits$3,619,0002,085
Premises and equipment expense$3,039,000707
Additional noninterest expense$2,155,0002,086
Pre-tax net operating income$2,025,0003,145
Securities gains (losses)$178,0001,294
Applicable income taxes$659,0002,792
Income before extraordinary items$1,544,0003,156
Extraordinary gains, net$0105
Net income$1,544,0003,160
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$493,0001,578
Cash dividends$718,0002,818
Sale, conversion, retirement of capital stock, net$0922
Net operating income$1,419,4003,264
2000-12-31 (YTD Data)Rank
Total interest income$12,887,0002,698
Total interest expense$5,175,0003,209
Net interest income$7,712,0002,304
Provision for loan and lease losses$125,0004,758
Total noninterest income$1,264,0002,660
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$1,067,0001,271
Trading account gains and fees$0180
Additional Noninterest Income$197,0004,838
Total noninterest expense$5,931,0002,301
Salaries and employee benefits$2,820,0002,534
Premises and equipment expense$1,395,0001,494
Additional noninterest expense$1,716,0002,499
Pre-tax net operating income$2,920,0002,439
Securities gains (losses)$01,956
Applicable income taxes$959,0002,196
Income before extraordinary items$1,961,0002,618
Extraordinary gains, net$038
Net income$1,961,0002,617
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$22,0005,868
Cash dividends$1,289,0001,870
Sale, conversion, retirement of capital stock, net$0969
Net operating income$1,961,0002,609
1999-12-31 (YTD Data)Rank
Total interest income$12,216,0002,662
Total interest expense$4,151,0003,478
Net interest income$8,065,0002,177
Provision for loan and lease losses$215,0003,402
Total noninterest income$1,273,0002,585
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$1,142,0001,165
Trading account gains and fees$0173
Additional Noninterest Income$131,0005,941
Total noninterest expense$6,799,0002,008
Salaries and employee benefits$3,369,0002,081
Premises and equipment expense$1,517,0001,341
Additional noninterest expense$1,913,0002,287
Pre-tax net operating income$2,324,0002,965
Securities gains (losses)$1,0002,805
Applicable income taxes$724,0002,839
Income before extraordinary items$1,601,0003,082
Extraordinary gains, net$035
Net income$1,601,0003,083
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$313,0001,751
Cash dividends$1,920,0001,416
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$1,600,3103,050
1998-12-31 (YTD Data)Rank
Total interest income$13,767,0002,366
Total interest expense$5,400,0002,788
Net interest income$8,367,0002,047
Provision for loan and lease losses$261,0002,916
Total noninterest income$1,232,0002,634
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$942,0001,323
Trading account gains and fees$0224
Additional Noninterest Income$290,0004,108
Total noninterest expense$6,608,0001,975
Salaries and employee benefits$3,363,0001,988
Premises and equipment expense$1,434,0001,361
Additional noninterest expense$1,811,0002,303
Pre-tax net operating income$2,730,0002,584
Securities gains (losses)$67,0001,537
Applicable income taxes$895,0002,505
Income before extraordinary items$1,902,0002,673
Extraordinary gains, net$032
Net income$1,902,0002,673
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$68,0004,338
Cash dividends$1,752,0001,475
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$1,856,4402,660
1997-12-31 (YTD Data)Rank
Total interest income$13,192,0002,484
Total interest expense$4,940,0003,016
Net interest income$8,252,0002,109
Provision for loan and lease losses$300,0002,568
Total noninterest income$1,054,0002,927
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$811,0001,603
Trading account gains and fees$0239
Additional Noninterest Income$243,0004,444
Total noninterest expense$6,408,0002,012
Salaries and employee benefits$3,189,0002,067
Premises and equipment expense$1,364,0001,431
Additional noninterest expense$1,855,0002,246
Pre-tax net operating income$2,598,0002,821
Securities gains (losses)$-30,00010,516
Applicable income taxes$861,0002,764
Income before extraordinary items$1,707,0002,977
Extraordinary gains, net$044
Net income$1,707,0002,976
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$48,0005,227
Cash dividends$700,0002,776
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$1,726,8002,894
1996-12-31 (YTD Data)Rank
Total interest income$10,987,0002,989
Total interest expense$4,277,0003,487
Net interest income$6,710,0002,627
Provision for loan and lease losses$09,041
Total noninterest income$1,072,0002,960
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$873,0001,530
Trading account gains and fees$0262
Additional Noninterest Income$199,0005,174
Total noninterest expense$5,793,0002,376
Salaries and employee benefits$2,648,0002,520
Premises and equipment expense$1,202,0001,692
Additional noninterest expense$1,943,0002,523
Pre-tax net operating income$1,989,0003,430
Securities gains (losses)$04,148
Applicable income taxes$785,0002,893
Income before extraordinary items$1,204,0003,864
Extraordinary gains, net$053
Net income$1,204,0003,865
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$162,0003,029
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,204,0003,816
1995-12-31 (YTD Data)Rank
Total interest income$9,496,0003,446
Total interest expense$3,981,0003,697
Net interest income$5,515,0003,222
Provision for loan and lease losses$-100,00011,704
Total noninterest income$672,0004,211
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$548,0002,463
Trading account gains and fees$0522
Additional Noninterest Income$124,0006,546
Total noninterest expense$5,088,0002,667
Salaries and employee benefits$2,546,0002,632
Premises and equipment expense$1,111,0001,817
Additional noninterest expense$1,431,0003,213
Pre-tax net operating income$1,199,0005,246
Securities gains (losses)$152,000778
Applicable income taxes$467,0004,411
Income before extraordinary items$884,0005,064
Extraordinary gains, net$065
Net income$884,0005,065
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-110,00011,752
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$785,2005,502
1994-12-31 (YTD Data)Rank
Total interest income$7,719,0003,859
Total interest expense$2,810,0004,196
Net interest income$4,909,0003,624
Provision for loan and lease losses$70,0005,310
Total noninterest income$695,0004,142
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$612,0002,226
Trading account gains and fees$0475
Additional Noninterest Income$83,0008,126
Total noninterest expense$4,476,0003,070
Salaries and employee benefits$2,299,0002,875
Premises and equipment expense$881,0002,293
Additional noninterest expense$1,296,0003,781
Pre-tax net operating income$1,058,0005,728
Securities gains (losses)$-453,00012,222
Applicable income taxes$-662,00012,500
Income before extraordinary items$1,267,0003,671
Extraordinary gains, net$0249
Net income$1,267,0003,679
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$214,0002,377
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,720,0002,832
1993-12-31 (YTD Data)Rank
Total interest income$7,031,0004,295
Total interest expense$2,773,0004,414
Net interest income$4,258,0004,161
Provision for loan and lease losses$90,0006,008
Total noninterest income$781,0004,064
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$644,0002,127
Trading account gains and feesNANA
Additional Noninterest Income$137,0006,855
Total noninterest expense$4,051,0003,452
Salaries and employee benefits$1,977,0003,322
Premises and equipment expense$843,0002,424
Additional noninterest expense$1,231,0004,104
Pre-tax net operating income$898,0006,356
Securities gains (losses)$259,0001,432
Applicable income taxes$012,141
Income before extraordinary items$1,157,0004,155
Extraordinary gains, net$03,149
Net income$1,157,0004,272
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$389,0002,091
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$898,0004,882
1992-12-31 (YTD Data)Rank
Total interest income$7,233,0004,696
Total interest expense$3,389,0004,672
Net interest income$3,844,0004,617
Provision for loan and lease losses$375,0003,592
Total noninterest income$811,0003,937
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$623,0002,185
Trading account gains and feesNANA
Additional Noninterest Income$188,0005,875
Total noninterest expense$4,018,0003,493
Salaries and employee benefits$1,829,0003,496
Premises and equipment expense$837,0002,461
Additional noninterest expense$1,352,0003,911
Pre-tax net operating income$262,00010,498
Securities gains (losses)$163,0002,306
Applicable income taxes$164,0008,298
Income before extraordinary items$261,0009,764
Extraordinary gains, net$164,000518
Net income$425,0008,095
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$915,0001,653
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$156,68010,840

* 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.