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Farmers Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$2,178,000	9,130
Total interest expense	$1,026,000	8,927
Net interest income	$1,152,000	9,152
Provision for loan and lease losses	$10,000	8,531
Total noninterest income	$136,000	9,243
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$109,000	7,313
Trading account gains and fees	NA	NA
Additional Noninterest Income	$27,000	10,012
Total noninterest expense	$989,000	8,704
Salaries and employee benefits	$520,000	8,713
Premises and equipment expense	$168,000	7,663
Additional noninterest expense	$301,000	8,872
Pre-tax net operating income	$289,000	9,207
Securities gains (losses)	$0	4,148
Applicable income taxes	$74,000	9,268
Income before extraordinary items	$215,000	9,160
Extraordinary gains, net	$0	53
Net income	$215,000	9,162
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	9,767
Cash dividends	$31,000	7,831
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$215,000	9,107
1995-12-31 (YTD Data)		Rank
Total interest income	$1,964,000	9,773
Total interest expense	$880,000	9,689
Net interest income	$1,084,000	9,669
Provision for loan and lease losses	$0	8,958
Total noninterest income	$93,000	10,435
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$66,000	8,717
Trading account gains and fees	NA	NA
Additional Noninterest Income	$27,000	10,452
Total noninterest expense	$1,021,000	8,854
Salaries and employee benefits	$517,000	8,966
Premises and equipment expense	$164,000	7,947
Additional noninterest expense	$340,000	8,794
Pre-tax net operating income	$156,000	10,741
Securities gains (losses)	$0	3,831
Applicable income taxes	$28,000	10,615
Income before extraordinary items	$128,000	10,674
Extraordinary gains, net	$0	65
Net income	$128,000	10,675
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	6,354
Cash dividends	$31,000	8,155
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$128,000	10,649
1994-12-31 (YTD Data)		Rank
Total interest income	$1,736,000	10,292
Total interest expense	$644,000	10,378
Net interest income	$1,092,000	10,097
Provision for loan and lease losses	$0	9,146
Total noninterest income	$86,000	11,089
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$54,000	9,555
Trading account gains and fees	NA	NA
Additional Noninterest Income	$32,000	10,653
Total noninterest expense	$949,000	9,556
Salaries and employee benefits	$513,000	9,269
Premises and equipment expense	$166,000	8,170
Additional noninterest expense	$270,000	10,298
Pre-tax net operating income	$229,000	10,671
Securities gains (losses)	$-31,000	10,677
Applicable income taxes	$36,000	10,781
Income before extraordinary items	$162,000	10,684
Extraordinary gains, net	$0	249
Net income	$162,000	10,690
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,000	6,622
Cash dividends	$30,000	8,349
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$187,420	10,465
1993-12-31 (YTD Data)		Rank
Total interest income	$1,608,000	10,981
Total interest expense	$612,000	11,067
Net interest income	$996,000	10,791
Provision for loan and lease losses	$0	10,371
Total noninterest income	$68,000	12,120
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$50,000	10,068
Trading account gains and fees	NA	NA
Additional Noninterest Income	$18,000	12,177
Total noninterest expense	$888,000	10,257
Salaries and employee benefits	$477,000	9,884
Premises and equipment expense	$165,000	8,511
Additional noninterest expense	$246,000	11,132
Pre-tax net operating income	$176,000	11,254
Securities gains (losses)	$1,000	7,052
Applicable income taxes	$50,000	10,946
Income before extraordinary items	$127,000	11,494
Extraordinary gains, net	$10,000	2,939
Net income	$137,000	11,441
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-19,000	12,096
Cash dividends	$31,000	8,406
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$126,280	11,281
1992-12-31 (YTD Data)		Rank
Total interest income	$1,590,000	11,750
Total interest expense	$643,000	12,100
Net interest income	$947,000	11,309
Provision for loan and lease losses	$20,000	10,574
Total noninterest income	$49,000	13,130
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$36,000	10,838
Trading account gains and fees	NA	NA
Additional Noninterest Income	$13,000	13,144
Total noninterest expense	$768,000	11,162
Salaries and employee benefits	$400,000	10,864
Premises and equipment expense	$150,000	9,105
Additional noninterest expense	$218,000	11,987
Pre-tax net operating income	$208,000	11,004
Securities gains (losses)	$0	8,369
Applicable income taxes	$58,000	11,037
Income before extraordinary items	$150,000	11,275
Extraordinary gains, net	$0	1,422
Net income	$150,000	11,355
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-14,000	12,939
Cash dividends	$23,000	8,421
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$150,000	10,941

* 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.