Home > F&M Bank-Winchester > Income and Expense
F&M Bank-Winchester, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $68,755,000 | 523 |
| Total interest expense | $27,623,000 | 606 |
| Net interest income | $41,132,000 | 462 |
| Provision for loan and lease losses | $2,000,000 | 699 |
| Total noninterest income | $24,392,000 | 336 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $5,631,000 | 288 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $18,761,000 | 301 |
| Total noninterest expense | $58,750,000 | 318 |
| Salaries and employee benefits | $32,437,000 | 259 |
| Premises and equipment expense | $3,015,000 | 714 |
| Additional noninterest expense | $23,298,000 | 319 |
| Pre-tax net operating income | $4,774,000 | 1,501 |
| Securities gains (losses) | $7,723,000 | 107 |
| Applicable income taxes | $4,527,000 | 586 |
| Income before extraordinary items | $7,970,000 | 707 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $7,970,000 | 708 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,753,000 | 452 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $3,027,280 | 1,665 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $66,191,000 | 580 |
| Total interest expense | $28,573,000 | 650 |
| Net interest income | $37,618,000 | 502 |
| Provision for loan and lease losses | $900,000 | 1,159 |
| Total noninterest income | $31,843,000 | 283 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $3,195,000 | 423 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $28,648,000 | 234 |
| Total noninterest expense | $46,716,000 | 365 |
| Salaries and employee benefits | $27,536,000 | 274 |
| Premises and equipment expense | $4,383,000 | 512 |
| Additional noninterest expense | $14,797,000 | 443 |
| Pre-tax net operating income | $21,845,000 | 421 |
| Securities gains (losses) | $48,000 | 723 |
| Applicable income taxes | $7,662,000 | 410 |
| Income before extraordinary items | $14,231,000 | 429 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $14,231,000 | 430 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $735,000 | 935 |
| Cash dividends | $9,900,000 | 386 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $14,199,800 | 431 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $57,719,000 | 616 |
| Total interest expense | $22,244,000 | 729 |
| Net interest income | $35,475,000 | 546 |
| Provision for loan and lease losses | $925,000 | 1,036 |
| Total noninterest income | $24,334,000 | 350 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $2,647,000 | 512 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $21,687,000 | 289 |
| Total noninterest expense | $40,923,000 | 425 |
| Salaries and employee benefits | $23,785,000 | 332 |
| Premises and equipment expense | $4,193,000 | 542 |
| Additional noninterest expense | $12,945,000 | 494 |
| Pre-tax net operating income | $17,961,000 | 528 |
| Securities gains (losses) | $3,005,000 | 100 |
| Applicable income taxes | $7,454,000 | 451 |
| Income before extraordinary items | $13,512,000 | 489 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $13,512,000 | 489 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $805,000 | 831 |
| Cash dividends | $11,615,000 | 354 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $11,588,800 | 548 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $57,888,000 | 613 |
| Total interest expense | $23,709,000 | 697 |
| Net interest income | $34,179,000 | 546 |
| Provision for loan and lease losses | $900,000 | 1,057 |
| Total noninterest income | $19,381,000 | 388 |
| Gross Fiduciary activities income | $1,000 | 1,376 |
| Service charges on deposit accounts | $2,340,000 | 539 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $17,040,000 | 323 |
| Total noninterest expense | $35,760,000 | 460 |
| Salaries and employee benefits | $20,490,000 | 367 |
| Premises and equipment expense | $3,562,000 | 606 |
| Additional noninterest expense | $11,708,000 | 534 |
| Pre-tax net operating income | $16,900,000 | 501 |
| Securities gains (losses) | $717,000 | 460 |
| Applicable income taxes | $5,770,000 | 514 |
| Income before extraordinary items | $11,847,000 | 494 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $11,847,000 | 493 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,540,000 | 409 |
| Cash dividends | $10,074,000 | 379 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $11,366,610 | 491 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $60,404,000 | 596 |
| Total interest expense | $26,830,000 | 627 |
| Net interest income | $33,574,000 | 561 |
| Provision for loan and lease losses | $3,825,000 | 372 |
| Total noninterest income | $12,177,000 | 493 |
| Gross Fiduciary activities income | $1,806,000 | 340 |
| Service charges on deposit accounts | $2,231,000 | 582 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $8,140,000 | 467 |
| Total noninterest expense | $29,355,000 | 525 |
| Salaries and employee benefits | $15,889,000 | 438 |
| Premises and equipment expense | $3,666,000 | 573 |
| Additional noninterest expense | $9,800,000 | 601 |
| Pre-tax net operating income | $12,571,000 | 664 |
| Securities gains (losses) | $968,000 | 287 |
| Applicable income taxes | $4,161,000 | 698 |
| Income before extraordinary items | $9,378,000 | 630 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $9,378,000 | 631 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,707,000 | 551 |
| Cash dividends | $7,082,000 | 478 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $8,710,080 | 636 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $59,252,000 | 641 |
| Total interest expense | $26,530,000 | 672 |
| Net interest income | $32,722,000 | 616 |
| Provision for loan and lease losses | $600,000 | 1,497 |
| Total noninterest income | $11,350,000 | 545 |
| Gross Fiduciary activities income | $1,720,000 | 384 |
| Service charges on deposit accounts | $1,863,000 | 715 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $7,767,000 | 502 |
| Total noninterest expense | $27,090,000 | 609 |
| Salaries and employee benefits | $15,059,000 | 481 |
| Premises and equipment expense | $3,259,000 | 686 |
| Additional noninterest expense | $8,772,000 | 743 |
| Pre-tax net operating income | $16,382,000 | 532 |
| Securities gains (losses) | $261,000 | 597 |
| Applicable income taxes | $5,728,000 | 532 |
| Income before extraordinary items | $10,915,000 | 539 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $10,915,000 | 541 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,168,000 | 818 |
| Cash dividends | $6,505,000 | 559 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $10,742,740 | 534 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $57,712,000 | 682 |
| Total interest expense | $25,202,000 | 729 |
| Net interest income | $32,510,000 | 632 |
| Provision for loan and lease losses | $600,000 | 1,345 |
| Total noninterest income | $9,863,000 | 607 |
| Gross Fiduciary activities income | $1,346,000 | 465 |
| Service charges on deposit accounts | $1,985,000 | 685 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $6,532,000 | 558 |
| Total noninterest expense | $26,603,000 | 632 |
| Salaries and employee benefits | $14,132,000 | 514 |
| Premises and equipment expense | $3,278,000 | 699 |
| Additional noninterest expense | $9,193,000 | 725 |
| Pre-tax net operating income | $15,170,000 | 587 |
| Securities gains (losses) | $352,000 | 455 |
| Applicable income taxes | $5,202,000 | 596 |
| Income before extraordinary items | $10,320,000 | 583 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $10,320,000 | 583 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,052,000 | 860 |
| Cash dividends | $4,750,000 | 670 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $10,087,680 | 592 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $50,829,000 | 689 |
| Total interest expense | $19,324,000 | 738 |
| Net interest income | $31,505,000 | 645 |
| Provision for loan and lease losses | $1,640,000 | 655 |
| Total noninterest income | $9,987,000 | 594 |
| Gross Fiduciary activities income | $1,168,000 | 486 |
| Service charges on deposit accounts | $1,957,000 | 696 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $6,862,000 | 532 |
| Total noninterest expense | $26,626,000 | 643 |
| Salaries and employee benefits | $14,460,000 | 512 |
| Premises and equipment expense | $3,461,000 | 675 |
| Additional noninterest expense | $8,705,000 | 776 |
| Pre-tax net operating income | $13,226,000 | 636 |
| Securities gains (losses) | $512,000 | 262 |
| Applicable income taxes | $4,572,000 | 617 |
| Income before extraordinary items | $9,166,000 | 618 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $9,166,000 | 616 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $550,000 | 1,297 |
| Cash dividends | $3,719,000 | 694 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $8,822,960 | 639 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $40,550,000 | 825 |
| Total interest expense | $16,776,000 | 850 |
| Net interest income | $23,774,000 | 799 |
| Provision for loan and lease losses | $1,413,000 | 1,043 |
| Total noninterest income | $7,360,000 | 749 |
| Gross Fiduciary activities income | $1,005,000 | 543 |
| Service charges on deposit accounts | $1,535,000 | 848 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $4,820,000 | 686 |
| Total noninterest expense | $19,661,000 | 855 |
| Salaries and employee benefits | $10,825,000 | 668 |
| Premises and equipment expense | $2,875,000 | 805 |
| Additional noninterest expense | $5,961,000 | 1,108 |
| Pre-tax net operating income | $10,060,000 | 723 |
| Securities gains (losses) | $1,393,000 | 417 |
| Applicable income taxes | $3,686,000 | 701 |
| Income before extraordinary items | $7,767,000 | 676 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $7,767,000 | 700 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $578,000 | 1,627 |
| Cash dividends | $3,567,000 | 626 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $6,819,760 | 714 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $36,975,000 | 1,001 |
| Total interest expense | $15,196,000 | 1,171 |
| Net interest income | $21,779,000 | 873 |
| Provision for loan and lease losses | $1,764,000 | 1,264 |
| Total noninterest income | $5,946,000 | 862 |
| Gross Fiduciary activities income | $860,000 | 586 |
| Service charges on deposit accounts | $1,186,000 | 1,109 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $3,900,000 | 797 |
| Total noninterest expense | $16,380,000 | 999 |
| Salaries and employee benefits | $9,529,000 | 732 |
| Premises and equipment expense | $2,086,000 | 1,077 |
| Additional noninterest expense | $4,765,000 | 1,379 |
| Pre-tax net operating income | $9,581,000 | 667 |
| Securities gains (losses) | $784,000 | 776 |
| Applicable income taxes | $3,073,000 | 763 |
| Income before extraordinary items | $7,292,000 | 648 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $7,292,000 | 643 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,662,000 | 1,111 |
| Cash dividends | $3,182,000 | 560 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $6,743,200 | 642 |
* 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.