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F & M Bank-Potosi, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$2,528,000	8,666
Total interest expense	$1,173,000	8,465
Net interest income	$1,355,000	8,634
Provision for loan and lease losses	$53,000	6,487
Total noninterest income	$162,000	8,818
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$113,000	7,223
Trading account gains and fees	NA	NA
Additional Noninterest Income	$49,000	8,929
Total noninterest expense	$799,000	9,430
Salaries and employee benefits	$389,000	9,679
Premises and equipment expense	$82,000	9,755
Additional noninterest expense	$328,000	8,593
Pre-tax net operating income	$665,000	7,095
Securities gains (losses)	$0	4,148
Applicable income taxes	$203,000	7,091
Income before extraordinary items	$462,000	7,155
Extraordinary gains, net	$0	53
Net income	$462,000	7,158
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	9,767
Cash dividends	$299,000	4,609
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$462,000	7,102
1995-12-31 (YTD Data)		Rank
Total interest income	$2,357,000	9,173
Total interest expense	$1,065,000	9,017
Net interest income	$1,292,000	9,097
Provision for loan and lease losses	$15,000	7,935
Total noninterest income	$159,000	9,157
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$105,000	7,660
Trading account gains and fees	NA	NA
Additional Noninterest Income	$54,000	9,034
Total noninterest expense	$864,000	9,489
Salaries and employee benefits	$424,000	9,745
Premises and equipment expense	$118,000	9,102
Additional noninterest expense	$322,000	9,008
Pre-tax net operating income	$572,000	8,042
Securities gains (losses)	$0	3,831
Applicable income taxes	$165,000	8,017
Income before extraordinary items	$407,000	7,996
Extraordinary gains, net	$0	65
Net income	$407,000	7,994
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	7,925
Cash dividends	$299,000	4,601
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$407,000	7,959
1994-12-31 (YTD Data)		Rank
Total interest income	$2,076,000	9,660
Total interest expense	$829,000	9,449
Net interest income	$1,247,000	9,630
Provision for loan and lease losses	$24,000	7,499
Total noninterest income	$155,000	9,612
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$101,000	8,062
Trading account gains and fees	NA	NA
Additional Noninterest Income	$54,000	9,402
Total noninterest expense	$875,000	9,882
Salaries and employee benefits	$424,000	10,064
Premises and equipment expense	$121,000	9,362
Additional noninterest expense	$330,000	9,596
Pre-tax net operating income	$503,000	8,631
Securities gains (losses)	$0	3,600
Applicable income taxes	$143,000	8,451
Income before extraordinary items	$360,000	8,554
Extraordinary gains, net	$0	249
Net income	$360,000	8,560
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	9,875
Cash dividends	$260,000	4,812
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$360,000	8,597
1993-12-31 (YTD Data)		Rank
Total interest income	$1,872,000	10,449
Total interest expense	$780,000	10,151
Net interest income	$1,092,000	10,435
Provision for loan and lease losses	$77,000	6,405
Total noninterest income	$135,000	10,524
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$91,000	8,658
Trading account gains and fees	NA	NA
Additional Noninterest Income	$44,000	10,462
Total noninterest expense	$783,000	10,748
Salaries and employee benefits	$403,000	10,601
Premises and equipment expense	$117,000	9,887
Additional noninterest expense	$263,000	10,913
Pre-tax net operating income	$367,000	9,673
Securities gains (losses)	$18,000	4,806
Applicable income taxes	$94,000	9,895
Income before extraordinary items	$291,000	9,597
Extraordinary gains, net	$0	3,149
Net income	$291,000	9,738
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$29,000	7,087
Cash dividends	$261,000	4,735
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$277,320	9,468
1992-12-31 (YTD Data)		Rank
Total interest income	$2,040,000	10,827
Total interest expense	$951,000	10,614
Net interest income	$1,089,000	10,734
Provision for loan and lease losses	$11,000	11,121
Total noninterest income	$113,000	11,376
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$81,000	9,135
Trading account gains and fees	NA	NA
Additional Noninterest Income	$32,000	11,632
Total noninterest expense	$829,000	10,864
Salaries and employee benefits	$446,000	10,349
Premises and equipment expense	$119,000	10,050
Additional noninterest expense	$264,000	11,361
Pre-tax net operating income	$362,000	9,565
Securities gains (losses)	$13,000	6,142
Applicable income taxes	$93,000	10,093
Income before extraordinary items	$282,000	9,517
Extraordinary gains, net	$13,000	1,300
Net income	$295,000	9,530
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	11,020
Cash dividends	$472,000	2,941
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$272,250	9,279

* 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.