Home > Farmers and Merchants Bank and Trust > Income and Expense
Farmers and Merchants Bank and Trust, Income and Expense
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $300,000 | 8,641 |
| Total interest expense | $117,000 | 8,357 |
| Net interest income | $183,000 | 8,695 |
| Provision for loan and lease losses | $2,000 | 6,551 |
| Total noninterest income | $13,000 | 8,623 |
| Gross Fiduciary activities income | $3,000 | 1,310 |
| Service charges on deposit accounts | $8,000 | 7,585 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $2,000 | 8,611 |
| Total noninterest expense | $157,000 | 8,769 |
| Salaries and employee benefits | $78,000 | 8,772 |
| Premises and equipment expense | $15,000 | 8,673 |
| Additional noninterest expense | $64,000 | 8,604 |
| Pre-tax net operating income | $37,000 | 8,195 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $12,000 | 6,334 |
| Income before extraordinary items | $25,000 | 8,258 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $25,000 | 8,257 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $25,000 | 8,227 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $138,000 | 8,743 |
| Total interest expense | $50,000 | 8,501 |
| Net interest income | $88,000 | 8,786 |
| Provision for loan and lease losses | $1,000 | 6,172 |
| Total noninterest income | $6,000 | 8,706 |
| Gross Fiduciary activities income | $2,000 | 1,263 |
| Service charges on deposit accounts | $3,000 | 7,690 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,000 | 8,675 |
| Total noninterest expense | $79,000 | 8,833 |
| Salaries and employee benefits | $38,000 | 8,845 |
| Premises and equipment expense | $8,000 | 8,706 |
| Additional noninterest expense | $33,000 | 8,638 |
| Pre-tax net operating income | $14,000 | 8,312 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $4,000 | 6,466 |
| Income before extraordinary items | $10,000 | 8,360 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $10,000 | 8,359 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $10,000 | 8,334 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $506,000 | 8,755 |
| Total interest expense | $175,000 | 8,544 |
| Net interest income | $331,000 | 8,797 |
| Provision for loan and lease losses | $3,000 | 7,246 |
| Total noninterest income | $35,000 | 8,680 |
| Gross Fiduciary activities income | $12,000 | 1,285 |
| Service charges on deposit accounts | $18,000 | 7,685 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $5,000 | 8,690 |
| Total noninterest expense | $313,000 | 8,875 |
| Salaries and employee benefits | $147,000 | 8,879 |
| Premises and equipment expense | $31,000 | 8,799 |
| Additional noninterest expense | $135,000 | 8,665 |
| Pre-tax net operating income | $50,000 | 8,248 |
| Securities gains (losses) | $8,000 | 2,935 |
| Applicable income taxes | $13,000 | 6,689 |
| Income before extraordinary items | $45,000 | 8,303 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $45,000 | 8,303 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $38,760 | 8,286 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $373,000 | 8,810 |
| Total interest expense | $129,000 | 8,600 |
| Net interest income | $244,000 | 8,850 |
| Provision for loan and lease losses | $3,000 | 7,022 |
| Total noninterest income | $27,000 | 8,730 |
| Gross Fiduciary activities income | $10,000 | 1,242 |
| Service charges on deposit accounts | $14,000 | 7,719 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $3,000 | 8,783 |
| Total noninterest expense | $227,000 | 8,921 |
| Salaries and employee benefits | $106,000 | 8,932 |
| Premises and equipment expense | $22,000 | 8,846 |
| Additional noninterest expense | $99,000 | 8,706 |
| Pre-tax net operating income | $41,000 | 8,334 |
| Securities gains (losses) | $8,000 | 2,829 |
| Applicable income taxes | $10,000 | 6,779 |
| Income before extraordinary items | $39,000 | 8,356 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $39,000 | 8,358 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $32,600 | 8,342 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $249,000 | 8,874 |
| Total interest expense | $88,000 | 8,651 |
| Net interest income | $161,000 | 8,914 |
| Provision for loan and lease losses | $2,000 | 6,819 |
| Total noninterest income | $12,000 | 8,878 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $10,000 | 7,758 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,000 | 8,825 |
| Total noninterest expense | $150,000 | 8,978 |
| Salaries and employee benefits | $70,000 | 8,992 |
| Premises and equipment expense | $15,000 | 8,886 |
| Additional noninterest expense | $65,000 | 8,770 |
| Pre-tax net operating income | $21,000 | 8,413 |
| Securities gains (losses) | $8,000 | 2,538 |
| Applicable income taxes | $4,000 | 6,937 |
| Income before extraordinary items | $25,000 | 8,417 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $25,000 | 8,419 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $18,120 | 8,412 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $124,000 | 8,926 |
| Total interest expense | $40,000 | 8,747 |
| Net interest income | $84,000 | 8,947 |
| Provision for loan and lease losses | $1,000 | 6,438 |
| Total noninterest income | $6,000 | 8,907 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $5,000 | 7,776 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $1,000 | 8,837 |
| Total noninterest expense | $74,000 | 9,024 |
| Salaries and employee benefits | $35,000 | 9,037 |
| Premises and equipment expense | $8,000 | 8,874 |
| Additional noninterest expense | $31,000 | 8,829 |
| Pre-tax net operating income | $15,000 | 8,377 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $2,000 | 6,854 |
| Income before extraordinary items | $13,000 | 8,421 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $13,000 | 8,421 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $13,000 | 8,355 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $441,000 | 8,991 |
| Total interest expense | $207,000 | 8,727 |
| Net interest income | $234,000 | 9,029 |
| Provision for loan and lease losses | $3,000 | 7,580 |
| Total noninterest income | $41,000 | 8,860 |
| Gross Fiduciary activities income | $13,000 | 1,317 |
| Service charges on deposit accounts | $17,000 | 7,866 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $11,000 | 8,737 |
| Total noninterest expense | $296,000 | 9,072 |
| Salaries and employee benefits | $142,000 | 9,081 |
| Premises and equipment expense | $31,000 | 8,998 |
| Additional noninterest expense | $123,000 | 8,904 |
| Pre-tax net operating income | $-24,000 | 8,570 |
| Securities gains (losses) | $6,000 | 3,841 |
| Applicable income taxes | $-22,000 | 8,814 |
| Income before extraordinary items | $4,000 | 8,608 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $4,000 | 8,611 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $160 | 8,539 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $329,000 | 9,068 |
| Total interest expense | $163,000 | 8,804 |
| Net interest income | $166,000 | 9,112 |
| Provision for loan and lease losses | $2,000 | 7,425 |
| Total noninterest income | $25,000 | 8,985 |
| Gross Fiduciary activities income | $4,000 | 1,409 |
| Service charges on deposit accounts | $13,000 | 7,924 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $8,000 | 8,801 |
| Total noninterest expense | $221,000 | 9,133 |
| Salaries and employee benefits | $108,000 | 9,135 |
| Premises and equipment expense | $23,000 | 9,031 |
| Additional noninterest expense | $90,000 | 8,958 |
| Pre-tax net operating income | $-32,000 | 8,691 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $-23,000 | 8,969 |
| Income before extraordinary items | $-9,000 | 8,744 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-9,000 | 8,745 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-9,000 | 8,654 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $227,000 | 9,110 |
| Total interest expense | $111,000 | 8,857 |
| Net interest income | $116,000 | 9,153 |
| Provision for loan and lease losses | $2,000 | 7,249 |
| Total noninterest income | $12,000 | 9,092 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $8,000 | 7,962 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $4,000 | 8,891 |
| Total noninterest expense | $149,000 | 9,163 |
| Salaries and employee benefits | $73,000 | 9,169 |
| Premises and equipment expense | $15,000 | 9,055 |
| Additional noninterest expense | $61,000 | 8,954 |
| Pre-tax net operating income | $-23,000 | 8,725 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $-16,000 | 9,015 |
| Income before extraordinary items | $-7,000 | 8,784 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-7,000 | 8,787 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-7,000 | 8,677 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $114,000 | 9,152 |
| Total interest expense | $54,000 | 8,940 |
| Net interest income | $60,000 | 9,193 |
| Provision for loan and lease losses | $1,000 | 6,877 |
| Total noninterest income | $6,000 | 9,110 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $4,000 | 7,983 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,000 | 8,884 |
| Total noninterest expense | $78,000 | 9,192 |
| Salaries and employee benefits | $38,000 | 9,204 |
| Premises and equipment expense | $8,000 | 9,060 |
| Additional noninterest expense | $32,000 | 8,979 |
| Pre-tax net operating income | $-13,000 | 8,782 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $-8,000 | 9,057 |
| Income before extraordinary items | $-5,000 | 8,801 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-5,000 | 8,798 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-5,000 | 8,700 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $411,000 | 9,202 |
| Total interest expense | $209,000 | 9,055 |
| Net interest income | $202,000 | 9,238 |
| Provision for loan and lease losses | $4,000 | 8,000 |
| Total noninterest income | $26,000 | 9,136 |
| Gross Fiduciary activities income | $2,000 | 1,605 |
| Service charges on deposit accounts | $19,000 | 7,985 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $5,000 | 9,073 |
| Total noninterest expense | $270,000 | 9,267 |
| Salaries and employee benefits | $131,000 | 9,265 |
| Premises and equipment expense | $28,000 | 9,177 |
| Additional noninterest expense | $111,000 | 9,116 |
| Pre-tax net operating income | $-46,000 | 8,705 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $-27,000 | 8,937 |
| Income before extraordinary items | $-19,000 | 8,756 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-19,000 | 8,757 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-19,000 | 8,680 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $381,000 | 9,475 |
| Total interest expense | $196,000 | 9,395 |
| Net interest income | $185,000 | 9,504 |
| Provision for loan and lease losses | $4,000 | 8,142 |
| Total noninterest income | $18,000 | 9,434 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $10,000 | 8,248 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $8,000 | 9,210 |
| Total noninterest expense | $281,000 | 9,506 |
| Salaries and employee benefits | $130,000 | 9,521 |
| Premises and equipment expense | $36,000 | 9,346 |
| Additional noninterest expense | $115,000 | 9,284 |
| Pre-tax net operating income | $-82,000 | 8,842 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-36,000 | 9,116 |
| Income before extraordinary items | $-46,000 | 8,893 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-46,000 | 8,893 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-46,000 | 8,821 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $272,000 | 9,796 |
| Total interest expense | $98,000 | 9,747 |
| Net interest income | $174,000 | 9,797 |
| Provision for loan and lease losses | $5,000 | 8,144 |
| Total noninterest income | $3,000 | 9,812 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $2,000 | 8,554 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,000 | 9,788 |
| Total noninterest expense | $282,000 | 9,776 |
| Salaries and employee benefits | $123,000 | 9,804 |
| Premises and equipment expense | $32,000 | 9,646 |
| Additional noninterest expense | $127,000 | 9,437 |
| Pre-tax net operating income | $-110,000 | 9,254 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-41,000 | 9,456 |
| Income before extraordinary items | $-69,000 | 9,232 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-69,000 | 9,231 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-69,000 | 9,226 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $13,000 | 10,216 |
| Total interest expense | $2,000 | 10,194 |
| Net interest income | $11,000 | 10,211 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $0 | 10,180 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 8,885 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 10,153 |
| Total noninterest expense | $126,000 | 10,188 |
| Salaries and employee benefits | $9,000 | 10,204 |
| Premises and equipment expense | $7,000 | 10,167 |
| Additional noninterest expense | $110,000 | 9,850 |
| Pre-tax net operating income | $-115,000 | 9,547 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-43,000 | 9,805 |
| Income before extraordinary items | $-72,000 | 9,546 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-72,000 | 9,543 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $2,500,000 | 396 |
| Net operating income | $-72,000 | 9,521 |
* 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.