Home > Farmers & Merchants Bank > Income and Expense
Farmers & Merchants Bank, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $12,300,000 | 2,648 |
| Total interest expense | $5,559,000 | 2,658 |
| Net interest income | $6,741,000 | 2,597 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $813,000 | 3,577 |
| Gross Fiduciary activities income | $9,000 | 1,273 |
| Service charges on deposit accounts | $586,000 | 2,287 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $218,000 | 4,745 |
| Total noninterest expense | $4,222,000 | 3,158 |
| Salaries and employee benefits | $2,255,000 | 3,084 |
| Premises and equipment expense | $487,000 | 3,852 |
| Additional noninterest expense | $1,480,000 | 2,900 |
| Pre-tax net operating income | $3,332,000 | 2,198 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,002,000 | 2,215 |
| Income before extraordinary items | $2,330,000 | 2,242 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,330,000 | 2,243 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-50,000 | 9,908 |
| Cash dividends | $1,123,000 | 2,068 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,330,000 | 2,223 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $12,178,000 | 2,678 |
| Total interest expense | $5,834,000 | 2,596 |
| Net interest income | $6,344,000 | 2,710 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $803,000 | 3,620 |
| Gross Fiduciary activities income | $8,000 | 1,304 |
| Service charges on deposit accounts | $584,000 | 2,206 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $211,000 | 4,828 |
| Total noninterest expense | $3,547,000 | 3,566 |
| Salaries and employee benefits | $2,161,000 | 3,097 |
| Premises and equipment expense | $445,000 | 4,054 |
| Additional noninterest expense | $941,000 | 4,155 |
| Pre-tax net operating income | $3,600,000 | 2,017 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,000,000 | 2,312 |
| Income before extraordinary items | $2,600,000 | 2,014 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,600,000 | 2,013 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 9,619 |
| Cash dividends | $1,122,000 | 2,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,600,000 | 1,940 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $11,754,000 | 2,791 |
| Total interest expense | $5,400,000 | 2,774 |
| Net interest income | $6,354,000 | 2,738 |
| Provision for loan and lease losses | $75,000 | 5,767 |
| Total noninterest income | $781,000 | 3,646 |
| Gross Fiduciary activities income | $8,000 | 1,350 |
| Service charges on deposit accounts | $554,000 | 2,375 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $219,000 | 4,734 |
| Total noninterest expense | $3,508,000 | 3,602 |
| Salaries and employee benefits | $2,046,000 | 3,236 |
| Premises and equipment expense | $492,000 | 3,759 |
| Additional noninterest expense | $970,000 | 4,017 |
| Pre-tax net operating income | $3,552,000 | 2,118 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,051,000 | 2,334 |
| Income before extraordinary items | $2,501,000 | 2,110 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,501,000 | 2,109 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 4,899 |
| Cash dividends | $1,066,000 | 2,056 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,501,000 | 2,061 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $11,235,000 | 2,939 |
| Total interest expense | $5,281,000 | 2,870 |
| Net interest income | $5,954,000 | 2,974 |
| Provision for loan and lease losses | $270,000 | 2,798 |
| Total noninterest income | $811,000 | 3,667 |
| Gross Fiduciary activities income | $7,000 | 1,430 |
| Service charges on deposit accounts | $524,000 | 2,603 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $280,000 | 4,246 |
| Total noninterest expense | $3,261,000 | 4,037 |
| Salaries and employee benefits | $1,845,000 | 3,594 |
| Premises and equipment expense | $427,000 | 4,309 |
| Additional noninterest expense | $989,000 | 4,446 |
| Pre-tax net operating income | $3,234,000 | 2,213 |
| Securities gains (losses) | $10,000 | 2,493 |
| Applicable income taxes | $906,000 | 2,563 |
| Income before extraordinary items | $2,338,000 | 2,117 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,338,000 | 2,117 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $234,000 | 2,436 |
| Cash dividends | $1,016,000 | 2,102 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,330,800 | 2,079 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $10,891,000 | 3,044 |
| Total interest expense | $5,199,000 | 2,928 |
| Net interest income | $5,692,000 | 3,127 |
| Provision for loan and lease losses | $170,000 | 3,392 |
| Total noninterest income | $767,000 | 3,806 |
| Gross Fiduciary activities income | $6,000 | 1,507 |
| Service charges on deposit accounts | $514,000 | 2,635 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $247,000 | 4,518 |
| Total noninterest expense | $3,430,000 | 3,817 |
| Salaries and employee benefits | $1,905,000 | 3,455 |
| Premises and equipment expense | $527,000 | 3,590 |
| Additional noninterest expense | $998,000 | 4,356 |
| Pre-tax net operating income | $2,859,000 | 2,520 |
| Securities gains (losses) | $107,000 | 924 |
| Applicable income taxes | $740,000 | 3,082 |
| Income before extraordinary items | $2,226,000 | 2,261 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,226,000 | 2,258 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $210,000 | 2,409 |
| Cash dividends | $1,020,000 | 1,986 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,145,750 | 2,326 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $9,986,000 | 3,033 |
| Total interest expense | $4,003,000 | 3,057 |
| Net interest income | $5,983,000 | 3,001 |
| Provision for loan and lease losses | $148,000 | 3,653 |
| Total noninterest income | $718,000 | 4,041 |
| Gross Fiduciary activities income | $5,000 | 1,522 |
| Service charges on deposit accounts | $479,000 | 2,889 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $234,000 | 4,766 |
| Total noninterest expense | $3,466,000 | 3,880 |
| Salaries and employee benefits | $1,853,000 | 3,514 |
| Premises and equipment expense | $426,000 | 4,353 |
| Additional noninterest expense | $1,187,000 | 4,089 |
| Pre-tax net operating income | $3,087,000 | 2,298 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $764,000 | 2,888 |
| Income before extraordinary items | $2,323,000 | 2,101 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,323,000 | 2,099 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 5,032 |
| Cash dividends | $1,018,000 | 1,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,323,000 | 2,121 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $9,015,000 | 3,408 |
| Total interest expense | $3,431,000 | 3,659 |
| Net interest income | $5,584,000 | 3,232 |
| Provision for loan and lease losses | $88,000 | 6,122 |
| Total noninterest income | $680,000 | 4,526 |
| Gross Fiduciary activities income | $8,000 | 1,518 |
| Service charges on deposit accounts | $471,000 | 2,967 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $201,000 | 5,660 |
| Total noninterest expense | $3,290,000 | 4,139 |
| Salaries and employee benefits | $1,878,000 | 3,473 |
| Premises and equipment expense | $369,000 | 5,029 |
| Additional noninterest expense | $1,043,000 | 4,747 |
| Pre-tax net operating income | $2,886,000 | 2,384 |
| Securities gains (losses) | $40,000 | 3,728 |
| Applicable income taxes | $724,000 | 3,020 |
| Income before extraordinary items | $2,202,000 | 2,269 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,202,000 | 2,357 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-44,000 | 12,596 |
| Cash dividends | $864,000 | 2,010 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,172,000 | 2,167 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $9,169,000 | 3,795 |
| Total interest expense | $3,821,000 | 4,241 |
| Net interest income | $5,348,000 | 3,414 |
| Provision for loan and lease losses | $353,000 | 3,762 |
| Total noninterest income | $708,000 | 4,380 |
| Gross Fiduciary activities income | $3,000 | 1,618 |
| Service charges on deposit accounts | $491,000 | 2,833 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $214,000 | 5,441 |
| Total noninterest expense | $2,968,000 | 4,583 |
| Salaries and employee benefits | $1,664,000 | 3,859 |
| Premises and equipment expense | $348,000 | 5,395 |
| Additional noninterest expense | $956,000 | 5,244 |
| Pre-tax net operating income | $2,735,000 | 2,260 |
| Securities gains (losses) | $-21,000 | 13,491 |
| Applicable income taxes | $673,000 | 3,103 |
| Income before extraordinary items | $2,041,000 | 2,243 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,041,000 | 2,275 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 5,871 |
| Cash dividends | $825,000 | 1,848 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,056,750 | 2,043 |
* 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.