Home > F & M Bank-Peoples > Income and Expense
F & M Bank-Peoples, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $9,996,000 | 3,315 |
| Total interest expense | $3,871,000 | 3,907 |
| Net interest income | $6,125,000 | 2,896 |
| Provision for loan and lease losses | $564,000 | 2,002 |
| Total noninterest income | $1,364,000 | 2,688 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $969,000 | 1,527 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $395,000 | 3,561 |
| Total noninterest expense | $4,906,000 | 2,871 |
| Salaries and employee benefits | $2,366,000 | 3,100 |
| Premises and equipment expense | $1,204,000 | 1,796 |
| Additional noninterest expense | $1,336,000 | 3,186 |
| Pre-tax net operating income | $2,019,000 | 3,152 |
| Securities gains (losses) | $21,000 | 3,115 |
| Applicable income taxes | $655,000 | 2,799 |
| Income before extraordinary items | $1,385,000 | 3,428 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,385,000 | 3,432 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $523,000 | 1,516 |
| Cash dividends | $860,000 | 2,514 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,370,720 | 3,357 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $9,836,000 | 3,448 |
| Total interest expense | $3,857,000 | 4,092 |
| Net interest income | $5,979,000 | 2,953 |
| Provision for loan and lease losses | $217,000 | 3,564 |
| Total noninterest income | $1,076,000 | 2,980 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $843,000 | 1,645 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $233,000 | 4,442 |
| Total noninterest expense | $3,831,000 | 3,440 |
| Salaries and employee benefits | $1,911,000 | 3,613 |
| Premises and equipment expense | $671,000 | 2,976 |
| Additional noninterest expense | $1,249,000 | 3,298 |
| Pre-tax net operating income | $3,007,000 | 2,389 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,007,000 | 2,105 |
| Income before extraordinary items | $2,000,000 | 2,570 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,000,000 | 2,569 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 3,638 |
| Cash dividends | $1,515,000 | 1,637 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,000,000 | 2,568 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,685,000 | 3,635 |
| Total interest expense | $3,276,000 | 4,289 |
| Net interest income | $5,409,000 | 3,209 |
| Provision for loan and lease losses | $405,000 | 2,081 |
| Total noninterest income | $1,117,000 | 2,851 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $744,000 | 1,779 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $373,000 | 3,566 |
| Total noninterest expense | $3,811,000 | 3,460 |
| Salaries and employee benefits | $1,940,000 | 3,542 |
| Premises and equipment expense | $660,000 | 3,018 |
| Additional noninterest expense | $1,211,000 | 3,404 |
| Pre-tax net operating income | $2,310,000 | 2,982 |
| Securities gains (losses) | $3,000 | 2,393 |
| Applicable income taxes | $767,000 | 2,728 |
| Income before extraordinary items | $1,546,000 | 3,164 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,546,000 | 3,165 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $348,000 | 1,621 |
| Cash dividends | $1,715,000 | 1,525 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,543,990 | 3,131 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,422,000 | 3,750 |
| Total interest expense | $3,322,000 | 4,344 |
| Net interest income | $5,100,000 | 3,326 |
| Provision for loan and lease losses | $103,000 | 5,042 |
| Total noninterest income | $976,000 | 3,138 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $575,000 | 2,232 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $401,000 | 3,439 |
| Total noninterest expense | $3,744,000 | 3,416 |
| Salaries and employee benefits | $1,973,000 | 3,387 |
| Premises and equipment expense | $610,000 | 3,114 |
| Additional noninterest expense | $1,161,000 | 3,465 |
| Pre-tax net operating income | $2,229,000 | 3,062 |
| Securities gains (losses) | $71,000 | 1,495 |
| Applicable income taxes | $715,000 | 2,977 |
| Income before extraordinary items | $1,585,000 | 3,112 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,585,000 | 3,113 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 4,805 |
| Cash dividends | $1,510,000 | 1,640 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,536,010 | 3,104 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,937,000 | 4,002 |
| Total interest expense | $3,234,000 | 4,415 |
| Net interest income | $4,703,000 | 3,690 |
| Provision for loan and lease losses | $-70,000 | 10,744 |
| Total noninterest income | $1,249,000 | 2,540 |
| Gross Fiduciary activities income | $451,000 | 685 |
| Service charges on deposit accounts | $517,000 | 2,542 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $281,000 | 4,083 |
| Total noninterest expense | $3,855,000 | 3,280 |
| Salaries and employee benefits | $2,014,000 | 3,284 |
| Premises and equipment expense | $675,000 | 2,837 |
| Additional noninterest expense | $1,166,000 | 3,429 |
| Pre-tax net operating income | $2,167,000 | 3,282 |
| Securities gains (losses) | $17,000 | 2,006 |
| Applicable income taxes | $687,000 | 3,282 |
| Income before extraordinary items | $1,497,000 | 3,369 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,497,000 | 3,369 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $192,000 | 2,613 |
| Cash dividends | $750,000 | 2,657 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,485,270 | 3,318 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,507,000 | 4,276 |
| Total interest expense | $2,925,000 | 4,885 |
| Net interest income | $4,582,000 | 3,833 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $1,159,000 | 2,758 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $488,000 | 2,769 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $671,000 | 2,372 |
| Total noninterest expense | $3,825,000 | 3,475 |
| Salaries and employee benefits | $2,052,000 | 3,259 |
| Premises and equipment expense | $578,000 | 3,333 |
| Additional noninterest expense | $1,195,000 | 3,799 |
| Pre-tax net operating income | $1,916,000 | 3,519 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $595,000 | 3,614 |
| Income before extraordinary items | $1,321,000 | 3,581 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,321,000 | 3,581 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $135,000 | 3,367 |
| Cash dividends | $680,000 | 2,804 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,321,000 | 3,531 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,666,000 | 4,754 |
| Total interest expense | $2,740,000 | 5,161 |
| Net interest income | $3,926,000 | 4,387 |
| Provision for loan and lease losses | $-192,000 | 11,807 |
| Total noninterest income | $1,117,000 | 2,861 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $402,000 | 3,353 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $715,000 | 2,254 |
| Total noninterest expense | $3,546,000 | 3,700 |
| Salaries and employee benefits | $1,846,000 | 3,566 |
| Premises and equipment expense | $523,000 | 3,619 |
| Additional noninterest expense | $1,177,000 | 3,801 |
| Pre-tax net operating income | $1,689,000 | 4,042 |
| Securities gains (losses) | $-1,000 | 9,017 |
| Applicable income taxes | $487,000 | 4,287 |
| Income before extraordinary items | $1,201,000 | 3,956 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,201,000 | 3,954 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-193,000 | 11,849 |
| Cash dividends | $620,000 | 2,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,201,710 | 3,939 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,534,000 | 4,499 |
| Total interest expense | $2,323,000 | 4,944 |
| Net interest income | $4,211,000 | 4,183 |
| Provision for loan and lease losses | $-33,000 | 11,915 |
| Total noninterest income | $970,000 | 3,178 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $373,000 | 3,623 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $597,000 | 2,592 |
| Total noninterest expense | $3,839,000 | 3,549 |
| Salaries and employee benefits | $1,971,000 | 3,334 |
| Premises and equipment expense | $545,000 | 3,545 |
| Additional noninterest expense | $1,323,000 | 3,727 |
| Pre-tax net operating income | $1,375,000 | 4,736 |
| Securities gains (losses) | $9,000 | 2,280 |
| Applicable income taxes | $358,000 | 5,177 |
| Income before extraordinary items | $1,026,000 | 4,443 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,026,000 | 4,444 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 11,561 |
| Cash dividends | $297,000 | 4,575 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,019,340 | 4,513 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,513,000 | 4,609 |
| Total interest expense | $2,420,000 | 4,964 |
| Net interest income | $4,093,000 | 4,312 |
| Provision for loan and lease losses | $-63,000 | 12,801 |
| Total noninterest income | $1,224,000 | 2,864 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $387,000 | 3,552 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $837,000 | 2,322 |
| Total noninterest expense | $4,338,000 | 3,227 |
| Salaries and employee benefits | $2,072,000 | 3,169 |
| Premises and equipment expense | $566,000 | 3,498 |
| Additional noninterest expense | $1,700,000 | 3,138 |
| Pre-tax net operating income | $1,042,000 | 5,732 |
| Securities gains (losses) | $5,000 | 6,132 |
| Applicable income taxes | $284,000 | 6,283 |
| Income before extraordinary items | $763,000 | 5,767 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $763,000 | 5,909 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-55,000 | 12,701 |
| Cash dividends | $252,000 | 4,814 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $759,350 | 5,535 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,296,000 | 4,658 |
| Total interest expense | $3,242,000 | 4,853 |
| Net interest income | $4,054,000 | 4,388 |
| Provision for loan and lease losses | $105,000 | 7,133 |
| Total noninterest income | $1,180,000 | 2,906 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $378,000 | 3,675 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $802,000 | 2,306 |
| Total noninterest expense | $3,980,000 | 3,516 |
| Salaries and employee benefits | $1,978,000 | 3,237 |
| Premises and equipment expense | $515,000 | 3,863 |
| Additional noninterest expense | $1,487,000 | 3,633 |
| Pre-tax net operating income | $1,149,000 | 5,096 |
| Securities gains (losses) | $98,000 | 3,033 |
| Applicable income taxes | $273,000 | 6,323 |
| Income before extraordinary items | $974,000 | 4,611 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $974,000 | 4,660 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $450,000 | 2,642 |
| Cash dividends | $202,000 | 4,963 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $897,560 | 4,631 |
* 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.