Home > F & M Bank - Northern Virginia > Income and Expense
F & M Bank - Northern Virginia, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $56,502,000 | 623 |
| Total interest expense | $19,937,000 | 821 |
| Net interest income | $36,565,000 | 519 |
| Provision for loan and lease losses | $3,373,000 | 476 |
| Total noninterest income | $13,182,000 | 502 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $5,514,000 | 295 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $7,668,000 | 482 |
| Total noninterest expense | $40,506,000 | 429 |
| Salaries and employee benefits | $21,087,000 | 381 |
| Premises and equipment expense | $7,554,000 | 327 |
| Additional noninterest expense | $11,865,000 | 503 |
| Pre-tax net operating income | $5,868,000 | 1,270 |
| Securities gains (losses) | $678,000 | 520 |
| Applicable income taxes | $2,266,000 | 1,061 |
| Income before extraordinary items | $4,280,000 | 1,273 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $4,280,000 | 1,272 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $863,000 | 1,041 |
| Cash dividends | $3,800,000 | 759 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $3,839,300 | 1,354 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $57,478,000 | 640 |
| Total interest expense | $21,890,000 | 829 |
| Net interest income | $35,588,000 | 529 |
| Provision for loan and lease losses | $577,000 | 1,681 |
| Total noninterest income | $8,533,000 | 655 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $5,443,000 | 271 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $3,090,000 | 846 |
| Total noninterest expense | $25,969,000 | 611 |
| Salaries and employee benefits | $13,589,000 | 536 |
| Premises and equipment expense | $5,020,000 | 456 |
| Additional noninterest expense | $7,360,000 | 719 |
| Pre-tax net operating income | $17,575,000 | 496 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $6,083,000 | 480 |
| Income before extraordinary items | $11,492,000 | 513 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $11,492,000 | 514 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $135,000 | 3,051 |
| Cash dividends | $6,850,000 | 502 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $11,492,000 | 510 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $51,212,000 | 686 |
| Total interest expense | $17,213,000 | 911 |
| Net interest income | $33,999,000 | 571 |
| Provision for loan and lease losses | $306,000 | 2,596 |
| Total noninterest income | $7,754,000 | 716 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $4,678,000 | 309 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $3,076,000 | 874 |
| Total noninterest expense | $25,369,000 | 633 |
| Salaries and employee benefits | $14,008,000 | 526 |
| Premises and equipment expense | $4,242,000 | 538 |
| Additional noninterest expense | $7,119,000 | 769 |
| Pre-tax net operating income | $16,078,000 | 578 |
| Securities gains (losses) | $2,000 | 2,566 |
| Applicable income taxes | $5,573,000 | 554 |
| Income before extraordinary items | $10,507,000 | 607 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $10,507,000 | 607 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $805,000 | 831 |
| Cash dividends | $9,314,000 | 422 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $10,505,700 | 591 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $46,289,000 | 728 |
| Total interest expense | $16,383,000 | 973 |
| Net interest income | $29,906,000 | 600 |
| Provision for loan and lease losses | $961,000 | 1,008 |
| Total noninterest income | $7,520,000 | 713 |
| Gross Fiduciary activities income | $8,000 | 1,304 |
| Service charges on deposit accounts | $3,955,000 | 336 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $3,557,000 | 811 |
| Total noninterest expense | $23,229,000 | 655 |
| Salaries and employee benefits | $11,659,000 | 609 |
| Premises and equipment expense | $4,066,000 | 539 |
| Additional noninterest expense | $7,504,000 | 724 |
| Pre-tax net operating income | $13,236,000 | 625 |
| Securities gains (losses) | $885,000 | 415 |
| Applicable income taxes | $4,734,000 | 605 |
| Income before extraordinary items | $9,387,000 | 618 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $9,387,000 | 617 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $588,000 | 1,105 |
| Cash dividends | $8,638,000 | 429 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $8,802,900 | 629 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $35,113,000 | 968 |
| Total interest expense | $12,310,000 | 1,291 |
| Net interest income | $22,803,000 | 796 |
| Provision for loan and lease losses | $432,000 | 1,979 |
| Total noninterest income | $4,702,000 | 965 |
| Gross Fiduciary activities income | $78,000 | 1,099 |
| Service charges on deposit accounts | $2,848,000 | 465 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,776,000 | 1,182 |
| Total noninterest expense | $18,708,000 | 783 |
| Salaries and employee benefits | $9,055,000 | 759 |
| Premises and equipment expense | $3,009,000 | 687 |
| Additional noninterest expense | $6,644,000 | 784 |
| Pre-tax net operating income | $8,365,000 | 980 |
| Securities gains (losses) | $26,000 | 1,720 |
| Applicable income taxes | $2,843,000 | 975 |
| Income before extraordinary items | $5,548,000 | 1,002 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $5,548,000 | 1,003 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $269,000 | 2,111 |
| Cash dividends | $3,000,000 | 929 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $5,530,840 | 976 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $31,775,000 | 1,092 |
| Total interest expense | $10,942,000 | 1,473 |
| Net interest income | $20,833,000 | 894 |
| Provision for loan and lease losses | $462,000 | 1,845 |
| Total noninterest income | $4,284,000 | 1,057 |
| Gross Fiduciary activities income | $77,000 | 1,163 |
| Service charges on deposit accounts | $2,709,000 | 510 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,498,000 | 1,391 |
| Total noninterest expense | $16,452,000 | 927 |
| Salaries and employee benefits | $7,883,000 | 869 |
| Premises and equipment expense | $3,055,000 | 727 |
| Additional noninterest expense | $5,514,000 | 1,054 |
| Pre-tax net operating income | $8,203,000 | 937 |
| Securities gains (losses) | $15,000 | 2,201 |
| Applicable income taxes | $2,806,000 | 923 |
| Income before extraordinary items | $5,412,000 | 975 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $5,412,000 | 976 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $224,000 | 2,499 |
| Cash dividends | $2,588,000 | 1,070 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $5,402,100 | 958 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,289,000 | 3,514 |
| Total interest expense | $3,240,000 | 4,442 |
| Net interest income | $6,049,000 | 2,945 |
| Provision for loan and lease losses | $70,000 | 5,409 |
| Total noninterest income | $1,202,000 | 2,720 |
| Gross Fiduciary activities income | $74,000 | 1,220 |
| Service charges on deposit accounts | $857,000 | 1,580 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $271,000 | 4,257 |
| Total noninterest expense | $4,886,000 | 2,777 |
| Salaries and employee benefits | $2,312,000 | 2,881 |
| Premises and equipment expense | $928,000 | 2,165 |
| Additional noninterest expense | $1,646,000 | 2,820 |
| Pre-tax net operating income | $2,295,000 | 3,090 |
| Securities gains (losses) | $-3,000 | 9,402 |
| Applicable income taxes | $727,000 | 3,135 |
| Income before extraordinary items | $1,565,000 | 3,121 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,565,000 | 3,117 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 10,842 |
| Cash dividends | $700,000 | 2,638 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,567,040 | 3,094 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,292,000 | 3,617 |
| Total interest expense | $2,703,000 | 4,334 |
| Net interest income | $5,589,000 | 3,209 |
| Provision for loan and lease losses | $300,000 | 2,237 |
| Total noninterest income | $1,446,000 | 2,363 |
| Gross Fiduciary activities income | $62,000 | 1,271 |
| Service charges on deposit accounts | $891,000 | 1,513 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $493,000 | 2,973 |
| Total noninterest expense | $5,220,000 | 2,663 |
| Salaries and employee benefits | $2,353,000 | 2,810 |
| Premises and equipment expense | $822,000 | 2,472 |
| Additional noninterest expense | $2,045,000 | 2,525 |
| Pre-tax net operating income | $1,515,000 | 4,379 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $225,000 | 6,938 |
| Income before extraordinary items | $1,290,000 | 3,616 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,290,000 | 3,623 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $425,000 | 1,523 |
| Cash dividends | $346,000 | 4,124 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 1,129 |
| Net operating income | $1,290,000 | 3,654 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,455,000 | 4,065 |
| Total interest expense | $2,342,000 | 5,085 |
| Net interest income | $5,113,000 | 3,493 |
| Provision for loan and lease losses | $455,000 | 2,242 |
| Total noninterest income | $1,366,000 | 2,627 |
| Gross Fiduciary activities income | $56,000 | 1,320 |
| Service charges on deposit accounts | $751,000 | 1,819 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $559,000 | 3,020 |
| Total noninterest expense | $5,103,000 | 2,800 |
| Salaries and employee benefits | $2,108,000 | 3,112 |
| Premises and equipment expense | $831,000 | 2,458 |
| Additional noninterest expense | $2,164,000 | 2,556 |
| Pre-tax net operating income | $921,000 | 6,252 |
| Securities gains (losses) | $67,000 | 3,024 |
| Applicable income taxes | $374,000 | 5,258 |
| Income before extraordinary items | $614,000 | 6,676 |
| Extraordinary gains, net | $118,000 | 1,435 |
| Net income | $732,000 | 6,081 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $431,000 | 1,955 |
| Cash dividends | $260,000 | 4,740 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $571,120 | 6,740 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,340,000 | 4,630 |
| Total interest expense | $2,862,000 | 5,362 |
| Net interest income | $4,478,000 | 4,019 |
| Provision for loan and lease losses | $445,000 | 3,244 |
| Total noninterest income | $1,116,000 | 3,026 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $619,000 | 2,204 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $497,000 | 3,208 |
| Total noninterest expense | $4,566,000 | 3,117 |
| Salaries and employee benefits | $1,928,000 | 3,313 |
| Premises and equipment expense | $857,000 | 2,405 |
| Additional noninterest expense | $1,781,000 | 3,085 |
| Pre-tax net operating income | $583,000 | 7,847 |
| Securities gains (losses) | $-1,000 | 12,730 |
| Applicable income taxes | $192,000 | 7,715 |
| Income before extraordinary items | $390,000 | 8,320 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $390,000 | 8,447 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $706,000 | 1,965 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $390,670 | 7,957 |
* 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.