Home > Farmers & Merchants Bank of Rochester, Indiana > Income and Expense
Farmers & Merchants Bank of Rochester, Indiana, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,533,000 | 6,427 |
| Total interest expense | $1,849,000 | 6,784 |
| Net interest income | $2,684,000 | 5,989 |
| Provision for loan and lease losses | $240,000 | 2,643 |
| Total noninterest income | $262,000 | 7,553 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $199,000 | 5,705 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $63,000 | 8,620 |
| Total noninterest expense | $1,807,000 | 6,438 |
| Salaries and employee benefits | $1,054,000 | 5,797 |
| Premises and equipment expense | $251,000 | 6,325 |
| Additional noninterest expense | $502,000 | 7,236 |
| Pre-tax net operating income | $899,000 | 6,422 |
| Securities gains (losses) | $-92,000 | 11,456 |
| Applicable income taxes | $208,000 | 7,291 |
| Income before extraordinary items | $599,000 | 6,623 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $599,000 | 6,621 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $88,000 | 4,028 |
| Cash dividends | $304,000 | 4,460 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $667,080 | 6,174 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,445,000 | 6,199 |
| Total interest expense | $1,787,000 | 6,108 |
| Net interest income | $2,658,000 | 6,159 |
| Provision for loan and lease losses | $156,000 | 3,523 |
| Total noninterest income | $249,000 | 7,964 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $192,000 | 6,029 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $57,000 | 9,251 |
| Total noninterest expense | $1,825,000 | 6,634 |
| Salaries and employee benefits | $989,000 | 6,141 |
| Premises and equipment expense | $224,000 | 6,985 |
| Additional noninterest expense | $612,000 | 6,947 |
| Pre-tax net operating income | $926,000 | 6,273 |
| Securities gains (losses) | $-5,000 | 9,408 |
| Applicable income taxes | $275,000 | 6,190 |
| Income before extraordinary items | $646,000 | 6,252 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $646,000 | 6,265 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $140,000 | 3,098 |
| Cash dividends | $156,000 | 5,992 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $649,500 | 6,297 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,876,000 | 5,905 |
| Total interest expense | $2,118,000 | 5,566 |
| Net interest income | $2,758,000 | 6,051 |
| Provision for loan and lease losses | $395,000 | 2,491 |
| Total noninterest income | $265,000 | 8,137 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $195,000 | 6,059 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $70,000 | 9,084 |
| Total noninterest expense | $1,803,000 | 6,880 |
| Salaries and employee benefits | $1,012,000 | 6,059 |
| Premises and equipment expense | $201,000 | 7,662 |
| Additional noninterest expense | $590,000 | 7,431 |
| Pre-tax net operating income | $825,000 | 6,693 |
| Securities gains (losses) | $-5,000 | 12,580 |
| Applicable income taxes | $242,000 | 6,930 |
| Income before extraordinary items | $578,000 | 6,947 |
| Extraordinary gains, net | $49,000 | 2,196 |
| Net income | $627,000 | 6,738 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $320,000 | 2,363 |
| Cash dividends | $156,000 | 6,000 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $581,500 | 6,679 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,165,000 | 6,223 |
| Total interest expense | $2,541,000 | 5,916 |
| Net interest income | $2,624,000 | 6,371 |
| Provision for loan and lease losses | $36,000 | 9,661 |
| Total noninterest income | $265,000 | 8,252 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $135,000 | 7,532 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $130,000 | 7,163 |
| Total noninterest expense | $1,757,000 | 7,082 |
| Salaries and employee benefits | $968,000 | 6,211 |
| Premises and equipment expense | $248,000 | 6,814 |
| Additional noninterest expense | $541,000 | 8,072 |
| Pre-tax net operating income | $1,096,000 | 5,282 |
| Securities gains (losses) | $1,000 | 7,986 |
| Applicable income taxes | $330,000 | 5,574 |
| Income before extraordinary items | $767,000 | 5,535 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $767,000 | 5,597 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 8,508 |
| Cash dividends | $156,000 | 5,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $766,300 | 5,207 |
* 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.