Home > Farmers and Merchants Bank > Income and Expense
Farmers and Merchants Bank, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,280,000 | 9,285 |
| Total interest expense | $1,042,000 | 9,111 |
| Net interest income | $1,238,000 | 9,231 |
| Provision for loan and lease losses | $70,000 | 5,409 |
| Total noninterest income | $276,000 | 7,362 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $141,000 | 6,862 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $135,000 | 6,277 |
| Total noninterest expense | $763,000 | 9,930 |
| Salaries and employee benefits | $406,000 | 9,896 |
| Premises and equipment expense | $34,000 | 11,525 |
| Additional noninterest expense | $323,000 | 8,998 |
| Pre-tax net operating income | $681,000 | 7,414 |
| Securities gains (losses) | $10,000 | 2,384 |
| Applicable income taxes | $116,000 | 8,861 |
| Income before extraordinary items | $575,000 | 6,758 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $575,000 | 6,757 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 4,003 |
| Cash dividends | $300,000 | 4,483 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $566,700 | 6,787 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,239,000 | 9,361 |
| Total interest expense | $867,000 | 9,273 |
| Net interest income | $1,372,000 | 9,235 |
| Provision for loan and lease losses | $74,000 | 5,218 |
| Total noninterest income | $250,000 | 7,945 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $143,000 | 7,061 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $107,000 | 7,294 |
| Total noninterest expense | $771,000 | 10,374 |
| Salaries and employee benefits | $388,000 | 10,388 |
| Premises and equipment expense | $57,000 | 11,399 |
| Additional noninterest expense | $326,000 | 9,645 |
| Pre-tax net operating income | $777,000 | 6,990 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $141,000 | 8,493 |
| Income before extraordinary items | $636,000 | 6,297 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $636,000 | 6,310 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 4,525 |
| Cash dividends | $200,000 | 5,405 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $636,000 | 6,373 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,218,000 | 9,748 |
| Total interest expense | $818,000 | 9,945 |
| Net interest income | $1,400,000 | 9,420 |
| Provision for loan and lease losses | $91,000 | 5,992 |
| Total noninterest income | $224,000 | 8,790 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $135,000 | 7,460 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $89,000 | 8,282 |
| Total noninterest expense | $769,000 | 10,829 |
| Salaries and employee benefits | $391,000 | 10,728 |
| Premises and equipment expense | $44,000 | 12,403 |
| Additional noninterest expense | $334,000 | 10,027 |
| Pre-tax net operating income | $764,000 | 7,008 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $172,000 | 8,163 |
| Income before extraordinary items | $592,000 | 6,845 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $592,000 | 7,014 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 5,182 |
| Cash dividends | $180,000 | 5,679 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $592,000 | 6,599 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,175,000 | 10,522 |
| Total interest expense | $971,000 | 10,526 |
| Net interest income | $1,204,000 | 10,313 |
| Provision for loan and lease losses | $65,000 | 8,399 |
| Total noninterest income | $214,000 | 9,143 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $116,000 | 8,048 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $98,000 | 8,137 |
| Total noninterest expense | $628,000 | 11,897 |
| Salaries and employee benefits | $282,000 | 12,227 |
| Premises and equipment expense | $61,000 | 12,225 |
| Additional noninterest expense | $285,000 | 11,055 |
| Pre-tax net operating income | $725,000 | 6,965 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $199,000 | 7,581 |
| Income before extraordinary items | $526,000 | 7,120 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $526,000 | 7,212 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 7,780 |
| Cash dividends | $160,000 | 5,601 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $526,000 | 6,738 |
* 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.