Home > F & M Bank-West Virginia, Inc. > Income and Expense
F & M Bank-West Virginia, Inc., Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $19,581,000 | 1,740 |
| Total interest expense | $7,757,000 | 2,076 |
| Net interest income | $11,824,000 | 1,505 |
| Provision for loan and lease losses | $9,545,000 | 234 |
| Total noninterest income | $8,155,000 | 693 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,361,000 | 1,093 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $6,794,000 | 526 |
| Total noninterest expense | $9,235,000 | 1,582 |
| Salaries and employee benefits | $3,949,000 | 1,901 |
| Premises and equipment expense | $2,177,000 | 962 |
| Additional noninterest expense | $3,109,000 | 1,498 |
| Pre-tax net operating income | $1,199,000 | 4,420 |
| Securities gains (losses) | $173,000 | 1,312 |
| Applicable income taxes | $444,000 | 3,528 |
| Income before extraordinary items | $928,000 | 4,478 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $928,000 | 4,480 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,485,000 | 490 |
| Cash dividends | $725,000 | 2,791 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $810,360 | 4,723 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $22,430,000 | 1,536 |
| Total interest expense | $9,540,000 | 1,803 |
| Net interest income | $12,890,000 | 1,362 |
| Provision for loan and lease losses | $950,000 | 1,118 |
| Total noninterest income | $1,988,000 | 1,884 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,207,000 | 1,128 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $781,000 | 2,184 |
| Total noninterest expense | $9,066,000 | 1,545 |
| Salaries and employee benefits | $3,881,000 | 1,856 |
| Premises and equipment expense | $1,538,000 | 1,334 |
| Additional noninterest expense | $3,647,000 | 1,251 |
| Pre-tax net operating income | $4,862,000 | 1,515 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,706,000 | 1,352 |
| Income before extraordinary items | $3,156,000 | 1,665 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,156,000 | 1,664 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,465,000 | 577 |
| Cash dividends | $1,500,000 | 1,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $3,156,000 | 1,656 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $23,488,000 | 1,388 |
| Total interest expense | $9,917,000 | 1,508 |
| Net interest income | $13,571,000 | 1,285 |
| Provision for loan and lease losses | $600,000 | 1,498 |
| Total noninterest income | $2,011,000 | 1,848 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,214,000 | 1,101 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $797,000 | 2,171 |
| Total noninterest expense | $9,120,000 | 1,523 |
| Salaries and employee benefits | $4,123,000 | 1,671 |
| Premises and equipment expense | $1,515,000 | 1,344 |
| Additional noninterest expense | $3,482,000 | 1,323 |
| Pre-tax net operating income | $5,862,000 | 1,310 |
| Securities gains (losses) | $3,000 | 2,393 |
| Applicable income taxes | $2,081,000 | 1,189 |
| Income before extraordinary items | $3,784,000 | 1,407 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,784,000 | 1,408 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $754,000 | 880 |
| Cash dividends | $3,848,000 | 802 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $3,782,050 | 1,389 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $24,668,000 | 1,310 |
| Total interest expense | $11,566,000 | 1,340 |
| Net interest income | $13,102,000 | 1,296 |
| Provision for loan and lease losses | $1,547,000 | 695 |
| Total noninterest income | $1,658,000 | 2,107 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $971,000 | 1,289 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $687,000 | 2,425 |
| Total noninterest expense | $8,637,000 | 1,541 |
| Salaries and employee benefits | $3,930,000 | 1,691 |
| Premises and equipment expense | $1,238,000 | 1,583 |
| Additional noninterest expense | $3,469,000 | 1,276 |
| Pre-tax net operating income | $4,576,000 | 1,615 |
| Securities gains (losses) | $74,000 | 1,468 |
| Applicable income taxes | $1,667,000 | 1,470 |
| Income before extraordinary items | $2,983,000 | 1,766 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,983,000 | 1,766 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,224,000 | 651 |
| Cash dividends | $3,498,000 | 871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,935,640 | 1,721 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,032,000 | 3,573 |
| Total interest expense | $4,148,000 | 3,542 |
| Net interest income | $4,884,000 | 3,569 |
| Provision for loan and lease losses | $300,000 | 2,568 |
| Total noninterest income | $505,000 | 4,971 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $345,000 | 3,658 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $160,000 | 5,533 |
| Total noninterest expense | $2,740,000 | 4,425 |
| Salaries and employee benefits | $1,313,000 | 4,746 |
| Premises and equipment expense | $417,000 | 4,309 |
| Additional noninterest expense | $1,010,000 | 3,866 |
| Pre-tax net operating income | $2,349,000 | 3,070 |
| Securities gains (losses) | $-1,000 | 9,009 |
| Applicable income taxes | $887,000 | 2,689 |
| Income before extraordinary items | $1,461,000 | 3,440 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,461,000 | 3,440 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $225,000 | 2,360 |
| Cash dividends | $800,000 | 2,545 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,461,640 | 3,359 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,243,000 | 3,920 |
| Total interest expense | $3,744,000 | 3,942 |
| Net interest income | $4,499,000 | 3,898 |
| Provision for loan and lease losses | $300,000 | 2,555 |
| Total noninterest income | $402,000 | 5,931 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $276,000 | 4,479 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $126,000 | 6,462 |
| Total noninterest expense | $2,334,000 | 5,283 |
| Salaries and employee benefits | $1,085,000 | 5,637 |
| Premises and equipment expense | $419,000 | 4,367 |
| Additional noninterest expense | $830,000 | 5,063 |
| Pre-tax net operating income | $2,267,000 | 3,075 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $866,000 | 2,656 |
| Income before extraordinary items | $1,401,000 | 3,408 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,401,000 | 3,407 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 3,977 |
| Cash dividends | $720,000 | 2,688 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,401,000 | 3,366 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,491,000 | 4,272 |
| Total interest expense | $3,377,000 | 4,289 |
| Net interest income | $4,114,000 | 4,214 |
| Provision for loan and lease losses | $100,000 | 4,579 |
| Total noninterest income | $304,000 | 7,034 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $200,000 | 5,690 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $104,000 | 7,102 |
| Total noninterest expense | $2,352,000 | 5,258 |
| Salaries and employee benefits | $984,000 | 6,145 |
| Premises and equipment expense | $395,000 | 4,595 |
| Additional noninterest expense | $973,000 | 4,458 |
| Pre-tax net operating income | $1,966,000 | 3,550 |
| Securities gains (losses) | $4,000 | 2,936 |
| Applicable income taxes | $697,000 | 3,252 |
| Income before extraordinary items | $1,273,000 | 3,760 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,273,000 | 3,757 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $176,000 | 2,710 |
| Cash dividends | $651,000 | 2,774 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,270,400 | 3,735 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,616,000 | 4,454 |
| Total interest expense | $2,717,000 | 4,316 |
| Net interest income | $3,899,000 | 4,488 |
| Provision for loan and lease losses | $120,000 | 4,039 |
| Total noninterest income | $282,000 | 7,503 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $190,000 | 6,067 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $92,000 | 7,774 |
| Total noninterest expense | $2,130,000 | 5,896 |
| Salaries and employee benefits | $931,000 | 6,460 |
| Premises and equipment expense | $329,000 | 5,325 |
| Additional noninterest expense | $870,000 | 5,328 |
| Pre-tax net operating income | $1,931,000 | 3,531 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $682,000 | 3,150 |
| Income before extraordinary items | $1,249,000 | 3,719 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,249,000 | 3,725 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $129,000 | 3,250 |
| Cash dividends | $500,000 | 3,161 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,249,000 | 3,748 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,181,000 | 4,217 |
| Total interest expense | $2,954,000 | 4,157 |
| Net interest income | $4,227,000 | 4,185 |
| Provision for loan and lease losses | $365,000 | 2,613 |
| Total noninterest income | $246,000 | 8,423 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $155,000 | 6,967 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $91,000 | 8,188 |
| Total noninterest expense | $1,923,000 | 6,548 |
| Salaries and employee benefits | $874,000 | 6,871 |
| Premises and equipment expense | $326,000 | 5,507 |
| Additional noninterest expense | $723,000 | 6,405 |
| Pre-tax net operating income | $2,185,000 | 3,036 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $766,000 | 2,857 |
| Income before extraordinary items | $1,419,000 | 3,407 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,419,000 | 3,516 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $283,000 | 2,550 |
| Cash dividends | $612,000 | 2,605 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,419,000 | 3,234 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,477,000 | 4,563 |
| Total interest expense | $3,667,000 | 4,385 |
| Net interest income | $3,810,000 | 4,650 |
| Provision for loan and lease losses | $268,000 | 4,430 |
| Total noninterest income | $241,000 | 8,649 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $129,000 | 7,713 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $112,000 | 7,695 |
| Total noninterest expense | $1,959,000 | 6,482 |
| Salaries and employee benefits | $815,000 | 7,173 |
| Premises and equipment expense | $321,000 | 5,703 |
| Additional noninterest expense | $823,000 | 5,931 |
| Pre-tax net operating income | $1,824,000 | 3,383 |
| Securities gains (losses) | $-2,000 | 12,861 |
| Applicable income taxes | $632,000 | 3,285 |
| Income before extraordinary items | $1,190,000 | 3,841 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,190,000 | 3,882 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $298,000 | 3,346 |
| Cash dividends | $574,000 | 2,497 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,191,300 | 3,555 |
* 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.