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Farmers and Merchants Bank, Income and Expense

1995-12-31 (YTD Data)Rank
Total interest income$1,311,00010,822
Total interest expense$649,00010,491
Net interest income$662,00010,945
Provision for loan and lease losses$50,0006,165
Total noninterest income$201,0008,415
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$153,0006,605
Trading account gains and feesNANA
Additional Noninterest Income$48,0009,325
Total noninterest expense$753,0009,981
Salaries and employee benefits$337,00010,423
Premises and equipment expense$118,0009,102
Additional noninterest expense$298,0009,258
Pre-tax net operating income$60,00011,270
Securities gains (losses)$03,831
Applicable income taxes$23,00010,706
Income before extraordinary items$37,00011,361
Extraordinary gains, net$065
Net income$37,00011,359
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-15,00010,875
Cash dividends$52,0007,709
Sale, conversion, retirement of capital stock, net$0809
Net operating income$37,00011,324
1994-12-31 (YTD Data)Rank
Total interest income$1,049,00011,619
Total interest expense$398,00011,594
Net interest income$651,00011,549
Provision for loan and lease losses$58,0005,854
Total noninterest income$187,0008,976
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$124,0007,495
Trading account gains and feesNANA
Additional Noninterest Income$63,0008,968
Total noninterest expense$741,00010,518
Salaries and employee benefits$327,00010,954
Premises and equipment expense$111,0009,669
Additional noninterest expense$303,0009,934
Pre-tax net operating income$39,00011,953
Securities gains (losses)$-30,00010,653
Applicable income taxes$1,00011,577
Income before extraordinary items$8,00012,010
Extraordinary gains, net$0249
Net income$8,00012,011
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$127,0003,278
Cash dividends$76,0007,394
Sale, conversion, retirement of capital stock, net$200,000694
Net operating income$34,70011,936
1993-12-31 (YTD Data)Rank
Total interest income$926,00012,450
Total interest expense$359,00012,404
Net interest income$567,00012,338
Provision for loan and lease losses$10,0009,731
Total noninterest income$151,00010,182
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$116,0007,947
Trading account gains and feesNANA
Additional Noninterest Income$35,00010,982
Total noninterest expense$603,00011,636
Salaries and employee benefits$250,00012,195
Premises and equipment expense$114,0009,987
Additional noninterest expense$239,00011,210
Pre-tax net operating income$105,00011,833
Securities gains (losses)$31,0004,064
Applicable income taxes$29,00011,409
Income before extraordinary items$107,00011,735
Extraordinary gains, net$29,0002,505
Net income$136,00011,449
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$36,0006,716
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$82,51011,805
1992-12-31 (YTD Data)Rank
Total interest income$979,00013,058
Total interest expense$426,00013,088
Net interest income$553,00012,900
Provision for loan and lease losses$-33,00013,566
Total noninterest income$171,00010,010
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$115,0008,077
Trading account gains and feesNANA
Additional Noninterest Income$56,00010,037
Total noninterest expense$578,00012,188
Salaries and employee benefits$224,00012,889
Premises and equipment expense$109,00010,409
Additional noninterest expense$245,00011,600
Pre-tax net operating income$179,00011,265
Securities gains (losses)$21,0005,524
Applicable income taxes$50,00011,256
Income before extraordinary items$150,00011,275
Extraordinary gains, net$50,000989
Net income$200,00010,731
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-43,00013,426
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$134,25011,164

* 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.