Home > F & M Bank-Potomac > Income and Expense
F & M Bank-Potomac, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,449,000 | 6,510 |
| Total interest expense | $1,827,000 | 6,837 |
| Net interest income | $2,622,000 | 6,095 |
| Provision for loan and lease losses | $30,000 | 7,070 |
| Total noninterest income | $202,000 | 8,394 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $134,000 | 7,003 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $68,000 | 8,433 |
| Total noninterest expense | $1,869,000 | 6,305 |
| Salaries and employee benefits | $915,000 | 6,487 |
| Premises and equipment expense | $334,000 | 5,206 |
| Additional noninterest expense | $620,000 | 6,405 |
| Pre-tax net operating income | $925,000 | 6,301 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $300,000 | 5,992 |
| Income before extraordinary items | $625,000 | 6,458 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $625,000 | 6,456 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $337,000 | 4,271 |
| Sale, conversion, retirement of capital stock, net | $38,000 | 670 |
| Net operating income | $625,000 | 6,448 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,761,000 | 6,988 |
| Total interest expense | $1,379,000 | 7,277 |
| Net interest income | $2,382,000 | 6,694 |
| Provision for loan and lease losses | $-53,000 | 12,014 |
| Total noninterest income | $202,000 | 8,702 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $129,000 | 7,388 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $73,000 | 8,528 |
| Total noninterest expense | $1,945,000 | 6,355 |
| Salaries and employee benefits | $916,000 | 6,538 |
| Premises and equipment expense | $354,000 | 5,052 |
| Additional noninterest expense | $675,000 | 6,507 |
| Pre-tax net operating income | $692,000 | 7,436 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $224,000 | 6,953 |
| Income before extraordinary items | $468,000 | 7,553 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $468,000 | 7,559 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-61,000 | 11,990 |
| Cash dividends | $48,000 | 8,028 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $468,000 | 7,595 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,591,000 | 7,406 |
| Total interest expense | $1,261,000 | 8,033 |
| Net interest income | $2,330,000 | 6,871 |
| Provision for loan and lease losses | $50,000 | 7,415 |
| Total noninterest income | $199,000 | 9,245 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $141,000 | 7,319 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $58,000 | 9,638 |
| Total noninterest expense | $1,803,000 | 6,880 |
| Salaries and employee benefits | $837,000 | 7,094 |
| Premises and equipment expense | $389,000 | 4,823 |
| Additional noninterest expense | $577,000 | 7,544 |
| Pre-tax net operating income | $676,000 | 7,490 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $215,000 | 7,343 |
| Income before extraordinary items | $461,000 | 7,872 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $461,000 | 8,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 8,388 |
| Cash dividends | $24,000 | 8,604 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $461,000 | 7,621 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,462,000 | 8,239 |
| Total interest expense | $1,407,000 | 8,824 |
| Net interest income | $2,055,000 | 7,602 |
| Provision for loan and lease losses | $213,000 | 5,062 |
| Total noninterest income | $177,000 | 9,884 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $126,000 | 7,791 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $51,000 | 10,352 |
| Total noninterest expense | $1,771,000 | 7,040 |
| Salaries and employee benefits | $766,000 | 7,490 |
| Premises and equipment expense | $386,000 | 4,934 |
| Additional noninterest expense | $619,000 | 7,339 |
| Pre-tax net operating income | $248,000 | 10,624 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $59,000 | 11,011 |
| Income before extraordinary items | $189,000 | 10,749 |
| Extraordinary gains, net | $69,000 | 895 |
| Net income | $258,000 | 9,959 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $176,000 | 4,493 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $189,000 | 10,414 |
* 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.