Home > Farmers and Merchants Bank > Income and Expense
Farmers and Merchants Bank, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $11,570,000 | 2,860 |
| Total interest expense | $5,907,000 | 2,585 |
| Net interest income | $5,663,000 | 3,125 |
| Provision for loan and lease losses | $50,000 | 6,559 |
| Total noninterest income | $1,587,000 | 2,202 |
| Gross Fiduciary activities income | $284,000 | 878 |
| Service charges on deposit accounts | $681,000 | 1,988 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $622,000 | 2,509 |
| Total noninterest expense | $4,538,000 | 2,991 |
| Salaries and employee benefits | $2,326,000 | 2,875 |
| Premises and equipment expense | $499,000 | 3,790 |
| Additional noninterest expense | $1,713,000 | 2,800 |
| Pre-tax net operating income | $2,662,000 | 2,628 |
| Securities gains (losses) | $-24,000 | 10,728 |
| Applicable income taxes | $848,000 | 2,704 |
| Income before extraordinary items | $1,790,000 | 2,717 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,790,000 | 2,718 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 4,930 |
| Cash dividends | $10,722,000 | 404 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,806,320 | 2,652 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $11,338,000 | 2,939 |
| Total interest expense | $5,487,000 | 2,787 |
| Net interest income | $5,851,000 | 3,037 |
| Provision for loan and lease losses | $50,000 | 6,165 |
| Total noninterest income | $1,212,000 | 2,698 |
| Gross Fiduciary activities income | $213,000 | 987 |
| Service charges on deposit accounts | $635,000 | 2,140 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $364,000 | 3,514 |
| Total noninterest expense | $4,515,000 | 2,977 |
| Salaries and employee benefits | $2,318,000 | 2,876 |
| Premises and equipment expense | $529,000 | 3,581 |
| Additional noninterest expense | $1,668,000 | 2,787 |
| Pre-tax net operating income | $2,498,000 | 2,850 |
| Securities gains (losses) | $31,000 | 1,605 |
| Applicable income taxes | $800,000 | 2,874 |
| Income before extraordinary items | $1,729,000 | 2,853 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,729,000 | 2,851 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $158,000 | 2,910 |
| Cash dividends | $708,000 | 2,628 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,707,920 | 2,845 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $10,255,000 | 2,972 |
| Total interest expense | $4,491,000 | 2,723 |
| Net interest income | $5,764,000 | 3,105 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $1,220,000 | 2,705 |
| Gross Fiduciary activities income | $258,000 | 957 |
| Service charges on deposit accounts | $569,000 | 2,388 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $393,000 | 3,445 |
| Total noninterest expense | $4,328,000 | 3,185 |
| Salaries and employee benefits | $2,095,000 | 3,147 |
| Premises and equipment expense | $515,000 | 3,701 |
| Additional noninterest expense | $1,718,000 | 2,940 |
| Pre-tax net operating income | $2,656,000 | 2,674 |
| Securities gains (losses) | $-104,000 | 11,552 |
| Applicable income taxes | $797,000 | 2,769 |
| Income before extraordinary items | $1,755,000 | 2,756 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,755,000 | 2,758 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,849 |
| Cash dividends | $708,000 | 2,504 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,826,760 | 2,671 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $10,262,000 | 3,017 |
| Total interest expense | $5,001,000 | 2,569 |
| Net interest income | $5,261,000 | 3,409 |
| Provision for loan and lease losses | $175,000 | 4,260 |
| Total noninterest income | $1,349,000 | 2,659 |
| Gross Fiduciary activities income | $305,000 | 929 |
| Service charges on deposit accounts | $542,000 | 2,571 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $502,000 | 3,260 |
| Total noninterest expense | $4,352,000 | 3,217 |
| Salaries and employee benefits | $2,029,000 | 3,239 |
| Premises and equipment expense | $549,000 | 3,582 |
| Additional noninterest expense | $1,774,000 | 3,020 |
| Pre-tax net operating income | $2,083,000 | 3,181 |
| Securities gains (losses) | $288,000 | 1,338 |
| Applicable income taxes | $721,000 | 3,034 |
| Income before extraordinary items | $1,650,000 | 2,962 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,650,000 | 3,057 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $302,000 | 2,469 |
| Cash dividends | $708,000 | 2,349 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,448,400 | 3,165 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $11,761,000 | 2,985 |
| Total interest expense | $5,992,000 | 2,780 |
| Net interest income | $5,769,000 | 3,184 |
| Provision for loan and lease losses | $260,000 | 4,489 |
| Total noninterest income | $1,101,000 | 3,060 |
| Gross Fiduciary activities income | $248,000 | 1,022 |
| Service charges on deposit accounts | $501,000 | 2,778 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $352,000 | 4,024 |
| Total noninterest expense | $4,207,000 | 3,343 |
| Salaries and employee benefits | $2,063,000 | 3,130 |
| Premises and equipment expense | $480,000 | 4,121 |
| Additional noninterest expense | $1,664,000 | 3,284 |
| Pre-tax net operating income | $2,403,000 | 2,596 |
| Securities gains (losses) | $359,000 | 1,377 |
| Applicable income taxes | $823,000 | 2,531 |
| Income before extraordinary items | $1,939,000 | 2,360 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,939,000 | 2,402 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 5,670 |
| Cash dividends | $819,000 | 1,869 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,687,700 | 2,529 |
* 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.