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Farmers Bank, Income and Expense

2000-12-31 (YTD Data)		Rank
Total interest income	$4,909,000	5,803
Total interest expense	$2,472,000	5,594
Net interest income	$2,437,000	5,908
Provision for loan and lease losses	$970,000	1,097
Total noninterest income	$376,000	5,714
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$263,000	4,399
Trading account gains and fees	NA	NA
Additional Noninterest Income	$113,000	6,143
Total noninterest expense	$1,390,000	7,025
Salaries and employee benefits	$642,000	7,480
Premises and equipment expense	$140,000	7,750
Additional noninterest expense	$608,000	5,736
Pre-tax net operating income	$453,000	7,225
Securities gains (losses)	$0	1,956
Applicable income taxes	$164,000	5,770
Income before extraordinary items	$289,000	7,540
Extraordinary gains, net	$0	38
Net income	$289,000	7,539
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$777,000	898
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$289,000	7,545
1999-12-31 (YTD Data)		Rank
Total interest income	$6,995,000	4,400
Total interest expense	$3,303,000	4,258
Net interest income	$3,692,000	4,471
Provision for loan and lease losses	$1,635,000	658
Total noninterest income	$356,000	5,954
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$292,000	4,065
Trading account gains and fees	NA	NA
Additional Noninterest Income	$64,000	7,600
Total noninterest expense	$1,279,000	7,356
Salaries and employee benefits	$635,000	7,568
Premises and equipment expense	$131,000	8,016
Additional noninterest expense	$513,000	6,418
Pre-tax net operating income	$1,134,000	4,939
Securities gains (losses)	$5,000	2,145
Applicable income taxes	$417,000	4,050
Income before extraordinary items	$722,000	5,377
Extraordinary gains, net	$0	35
Net income	$722,000	5,374
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,022,000	699
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$718,800	5,357
1998-12-31 (YTD Data)		Rank
Total interest income	$7,797,000	4,035
Total interest expense	$3,556,000	4,070
Net interest income	$4,241,000	3,939
Provision for loan and lease losses	$550,000	1,597
Total noninterest income	$430,000	5,389
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$307,000	3,873
Trading account gains and fees	NA	NA
Additional Noninterest Income	$123,000	6,149
Total noninterest expense	$1,881,000	5,822
Salaries and employee benefits	$903,000	6,195
Premises and equipment expense	$264,000	5,779
Additional noninterest expense	$714,000	5,088
Pre-tax net operating income	$2,240,000	3,043
Securities gains (losses)	$0	4,449
Applicable income taxes	$841,000	2,618
Income before extraordinary items	$1,399,000	3,446
Extraordinary gains, net	$0	32
Net income	$1,399,000	3,447
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$273,000	1,990
Cash dividends	$646,000	2,996
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$1,399,000	3,347
1997-12-31 (YTD Data)		Rank
Total interest income	$5,281,000	5,574
Total interest expense	$2,330,000	5,674
Net interest income	$2,951,000	5,368
Provision for loan and lease losses	$634,000	1,439
Total noninterest income	$255,000	7,161
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$144,000	6,280
Trading account gains and fees	NA	NA
Additional Noninterest Income	$111,000	6,492
Total noninterest expense	$1,426,000	6,974
Salaries and employee benefits	$723,000	7,191
Premises and equipment expense	$240,000	6,210
Additional noninterest expense	$463,000	6,821
Pre-tax net operating income	$1,146,000	5,393
Securities gains (losses)	$0	3,944
Applicable income taxes	$450,000	4,536
Income before extraordinary items	$696,000	5,925
Extraordinary gains, net	$0	44
Net income	$696,000	5,927
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$129,000	3,304
Cash dividends	$144,000	5,998
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$696,000	5,882
1996-12-31 (YTD Data)		Rank
Total interest income	$2,922,000	8,095
Total interest expense	$1,269,000	8,193
Net interest income	$1,653,000	7,889
Provision for loan and lease losses	$278,000	2,749
Total noninterest income	$221,000	7,946
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$157,000	6,347
Trading account gains and fees	NA	NA
Additional Noninterest Income	$64,000	8,317
Total noninterest expense	$941,000	8,914
Salaries and employee benefits	$473,000	9,081
Premises and equipment expense	$153,000	7,986
Additional noninterest expense	$315,000	8,723
Pre-tax net operating income	$655,000	7,139
Securities gains (losses)	$0	4,148
Applicable income taxes	$214,000	6,916
Income before extraordinary items	$441,000	7,303
Extraordinary gains, net	$0	53
Net income	$441,000	7,305
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$108,000	3,783
Cash dividends	$117,000	6,450
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$441,000	7,253
1995-12-31 (YTD Data)		Rank
Total interest income	$1,871,000	9,930
Total interest expense	$786,000	10,003
Net interest income	$1,085,000	9,664
Provision for loan and lease losses	$115,000	4,295
Total noninterest income	$172,000	8,929
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$112,000	7,504
Trading account gains and fees	NA	NA
Additional Noninterest Income	$60,000	8,751
Total noninterest expense	$625,000	10,469
Salaries and employee benefits	$333,000	10,472
Premises and equipment expense	$78,000	10,256
Additional noninterest expense	$214,000	10,254
Pre-tax net operating income	$517,000	8,343
Securities gains (losses)	$0	3,831
Applicable income taxes	$182,000	7,745
Income before extraordinary items	$335,000	8,610
Extraordinary gains, net	$0	65
Net income	$335,000	8,614
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	7,103
Cash dividends	$45,000	7,893
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$335,000	8,582
1994-12-31 (YTD Data)		Rank
Total interest income	$917,000	11,856
Total interest expense	$307,000	12,011
Net interest income	$610,000	11,674
Provision for loan and lease losses	$70,000	5,310
Total noninterest income	$86,000	11,089
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$80,000	8,680
Trading account gains and fees	NA	NA
Additional Noninterest Income	$6,000	12,297
Total noninterest expense	$444,000	11,860
Salaries and employee benefits	$223,000	11,900
Premises and equipment expense	$67,000	11,063
Additional noninterest expense	$154,000	11,740
Pre-tax net operating income	$182,000	11,037
Securities gains (losses)	$0	3,600
Applicable income taxes	$52,000	10,415
Income before extraordinary items	$130,000	11,059
Extraordinary gains, net	$0	249
Net income	$130,000	11,065
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	7,696
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$130,000	11,104
1993-12-31 (YTD Data)		Rank
Total interest income	$420,000	13,110
Total interest expense	$169,000	13,075
Net interest income	$251,000	13,077
Provision for loan and lease losses	$22,000	8,943
Total noninterest income	$52,000	12,494
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$42,000	10,341
Trading account gains and fees	NA	NA
Additional Noninterest Income	$10,000	12,761
Total noninterest expense	$260,000	13,079
Salaries and employee benefits	$118,000	13,124
Premises and equipment expense	$22,000	13,043
Additional noninterest expense	$120,000	12,760
Pre-tax net operating income	$21,000	12,306
Securities gains (losses)	$0	7,477
Applicable income taxes	$2,000	12,040
Income before extraordinary items	$19,000	12,430
Extraordinary gains, net	$0	3,149
Net income	$19,000	12,453
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	7,819
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$19,000	12,297
1992-12-31 (YTD Data)		Rank
Total interest income	$463,000	13,728
Total interest expense	$213,000	13,689
Net interest income	$250,000	13,705
Provision for loan and lease losses	$-15,000	13,503
Total noninterest income	$53,000	13,040
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$51,000	10,268
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,000	13,804
Total noninterest expense	$214,000	13,779
Salaries and employee benefits	$85,000	13,825
Premises and equipment expense	$19,000	13,693
Additional noninterest expense	$110,000	13,433
Pre-tax net operating income	$104,000	11,985
Securities gains (losses)	$0	8,369
Applicable income taxes	$19,000	12,141
Income before extraordinary items	$85,000	12,150
Extraordinary gains, net	$0	1,422
Net income	$85,000	12,197
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	10,255
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$85,000	11,851

* 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.