Home > F&M Bank-Superior > Income and Expense
F&M Bank-Superior, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,829,000 | 7,574 |
| Total interest expense | $1,162,000 | 7,738 |
| Net interest income | $1,667,000 | 7,248 |
| Provision for loan and lease losses | $51,000 | 6,485 |
| Total noninterest income | $352,000 | 5,993 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $151,000 | 5,829 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $201,000 | 4,932 |
| Total noninterest expense | $1,178,000 | 7,622 |
| Salaries and employee benefits | $577,000 | 7,883 |
| Premises and equipment expense | $159,000 | 7,518 |
| Additional noninterest expense | $442,000 | 6,958 |
| Pre-tax net operating income | $790,000 | 5,968 |
| Securities gains (losses) | $-12,000 | 9,370 |
| Applicable income taxes | $218,000 | 5,520 |
| Income before extraordinary items | $560,000 | 6,105 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $560,000 | 6,102 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,495 |
| Cash dividends | $400,000 | 3,903 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $568,640 | 6,025 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,910,000 | 7,625 |
| Total interest expense | $1,262,000 | 7,767 |
| Net interest income | $1,648,000 | 7,379 |
| Provision for loan and lease losses | $85,000 | 5,461 |
| Total noninterest income | $390,000 | 5,708 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $112,000 | 6,631 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $278,000 | 4,184 |
| Total noninterest expense | $1,325,000 | 7,175 |
| Salaries and employee benefits | $586,000 | 7,838 |
| Premises and equipment expense | $157,000 | 7,493 |
| Additional noninterest expense | $582,000 | 5,867 |
| Pre-tax net operating income | $628,000 | 6,775 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $162,000 | 6,678 |
| Income before extraordinary items | $466,000 | 6,809 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $466,000 | 6,807 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 3,631 |
| Cash dividends | $400,000 | 3,951 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $466,000 | 6,705 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,812,000 | 7,985 |
| Total interest expense | $1,238,000 | 8,013 |
| Net interest income | $1,574,000 | 7,824 |
| Provision for loan and lease losses | $41,000 | 6,989 |
| Total noninterest income | $332,000 | 6,318 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $105,000 | 7,090 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $227,000 | 4,653 |
| Total noninterest expense | $1,138,000 | 7,881 |
| Salaries and employee benefits | $545,000 | 8,284 |
| Premises and equipment expense | $155,000 | 7,697 |
| Additional noninterest expense | $438,000 | 7,030 |
| Pre-tax net operating income | $727,000 | 6,869 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $214,000 | 6,697 |
| Income before extraordinary items | $513,000 | 6,889 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $513,000 | 6,892 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,223 |
| Cash dividends | $400,000 | 3,931 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $513,000 | 6,826 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,516,000 | 8,675 |
| Total interest expense | $1,092,000 | 8,722 |
| Net interest income | $1,424,000 | 8,456 |
| Provision for loan and lease losses | $28,000 | 7,549 |
| Total noninterest income | $299,000 | 6,966 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $102,000 | 7,439 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $197,000 | 5,206 |
| Total noninterest expense | $1,115,000 | 8,279 |
| Salaries and employee benefits | $550,000 | 8,488 |
| Premises and equipment expense | $171,000 | 7,604 |
| Additional noninterest expense | $394,000 | 7,927 |
| Pre-tax net operating income | $580,000 | 7,529 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $183,000 | 7,402 |
| Income before extraordinary items | $397,000 | 7,645 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $397,000 | 7,645 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 7,175 |
| Cash dividends | $375,000 | 4,050 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $397,000 | 7,580 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,409,000 | 9,106 |
| Total interest expense | $1,071,000 | 8,998 |
| Net interest income | $1,338,000 | 8,961 |
| Provision for loan and lease losses | $72,000 | 5,348 |
| Total noninterest income | $301,000 | 7,065 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $104,000 | 7,690 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $197,000 | 5,176 |
| Total noninterest expense | $1,008,000 | 8,920 |
| Salaries and employee benefits | $547,000 | 8,741 |
| Premises and equipment expense | $181,000 | 7,579 |
| Additional noninterest expense | $280,000 | 9,487 |
| Pre-tax net operating income | $559,000 | 8,130 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $203,000 | 7,361 |
| Income before extraordinary items | $356,000 | 8,423 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $356,000 | 8,425 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 5,295 |
| Cash dividends | $360,000 | 4,106 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $356,000 | 8,405 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,225,000 | 9,384 |
| Total interest expense | $911,000 | 9,078 |
| Net interest income | $1,314,000 | 9,417 |
| Provision for loan and lease losses | $50,000 | 6,087 |
| Total noninterest income | $293,000 | 7,340 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $109,000 | 7,867 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $184,000 | 5,544 |
| Total noninterest expense | $984,000 | 9,414 |
| Salaries and employee benefits | $524,000 | 9,175 |
| Premises and equipment expense | $149,000 | 8,576 |
| Additional noninterest expense | $311,000 | 9,829 |
| Pre-tax net operating income | $573,000 | 8,168 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $208,000 | 7,209 |
| Income before extraordinary items | $365,000 | 8,508 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $365,000 | 8,510 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,875 |
| Cash dividends | $353,000 | 4,055 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $365,000 | 8,548 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,199,000 | 9,787 |
| Total interest expense | $928,000 | 9,433 |
| Net interest income | $1,271,000 | 9,832 |
| Provision for loan and lease losses | $37,000 | 8,073 |
| Total noninterest income | $338,000 | 7,176 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $114,000 | 7,999 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $224,000 | 5,331 |
| Total noninterest expense | $956,000 | 9,945 |
| Salaries and employee benefits | $507,000 | 9,600 |
| Premises and equipment expense | $152,000 | 8,840 |
| Additional noninterest expense | $297,000 | 10,494 |
| Pre-tax net operating income | $616,000 | 7,847 |
| Securities gains (losses) | $5,000 | 6,132 |
| Applicable income taxes | $204,000 | 7,541 |
| Income before extraordinary items | $417,000 | 8,264 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $417,000 | 8,426 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 7,032 |
| Cash dividends | $400,000 | 3,627 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $413,650 | 8,021 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,330,000 | 10,235 |
| Total interest expense | $1,100,000 | 9,983 |
| Net interest income | $1,230,000 | 10,216 |
| Provision for loan and lease losses | $25,000 | 10,242 |
| Total noninterest income | $367,000 | 6,877 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $125,000 | 7,823 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $242,000 | 5,073 |
| Total noninterest expense | $926,000 | 10,328 |
| Salaries and employee benefits | $489,000 | 9,880 |
| Premises and equipment expense | $140,000 | 9,399 |
| Additional noninterest expense | $297,000 | 10,861 |
| Pre-tax net operating income | $646,000 | 7,420 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $227,000 | 7,050 |
| Income before extraordinary items | $419,000 | 8,029 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $419,000 | 8,153 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 9,962 |
| Cash dividends | $400,000 | 3,284 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $419,000 | 7,676 |
* 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.