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Farmers & Merchants Bank of Trenton, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$2,842,000	8,220
Total interest expense	$912,000	9,287
Net interest income	$1,930,000	7,296
Provision for loan and lease losses	$6,000	8,753
Total noninterest income	$420,000	5,789
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$351,000	3,743
Trading account gains and fees	NA	NA
Additional Noninterest Income	$69,000	8,124
Total noninterest expense	$1,349,000	7,517
Salaries and employee benefits	$680,000	7,649
Premises and equipment expense	$191,000	7,191
Additional noninterest expense	$478,000	7,223
Pre-tax net operating income	$995,000	5,755
Securities gains (losses)	$1,000	3,760
Applicable income taxes	$290,000	5,940
Income before extraordinary items	$706,000	5,740
Extraordinary gains, net	$0	53
Net income	$706,000	5,741
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,000	6,952
Cash dividends	$500,000	3,368
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$705,290	5,687
1995-12-31 (YTD Data)		Rank
Total interest income	$2,683,000	8,662
Total interest expense	$973,000	9,349
Net interest income	$1,710,000	7,990
Provision for loan and lease losses	$10,000	8,319
Total noninterest income	$379,000	6,181
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$317,000	4,096
Trading account gains and fees	NA	NA
Additional Noninterest Income	$62,000	8,656
Total noninterest expense	$1,289,000	7,894
Salaries and employee benefits	$656,000	8,018
Premises and equipment expense	$162,000	7,994
Additional noninterest expense	$471,000	7,511
Pre-tax net operating income	$790,000	6,879
Securities gains (losses)	$0	3,831
Applicable income taxes	$214,000	7,188
Income before extraordinary items	$576,000	6,747
Extraordinary gains, net	$0	65
Net income	$576,000	6,746
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$51,000	5,105
Cash dividends	$250,000	4,947
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$576,000	6,734
1994-12-31 (YTD Data)		Rank
Total interest income	$2,281,000	9,295
Total interest expense	$670,000	10,257
Net interest income	$1,611,000	8,557
Provision for loan and lease losses	$12,000	8,270
Total noninterest income	$348,000	6,693
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$297,000	4,388
Trading account gains and fees	NA	NA
Additional Noninterest Income	$51,000	9,565
Total noninterest expense	$1,280,000	8,317
Salaries and employee benefits	$630,000	8,403
Premises and equipment expense	$179,000	7,870
Additional noninterest expense	$471,000	8,140
Pre-tax net operating income	$667,000	7,608
Securities gains (losses)	$0	3,600
Applicable income taxes	$164,000	8,039
Income before extraordinary items	$503,000	7,288
Extraordinary gains, net	$0	249
Net income	$503,000	7,293
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	6,783
Cash dividends	$265,000	4,788
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$503,000	7,322
1993-12-31 (YTD Data)		Rank
Total interest income	$2,242,000	9,690
Total interest expense	$693,000	10,627
Net interest income	$1,549,000	8,952
Provision for loan and lease losses	$41,000	7,900
Total noninterest income	$352,000	6,990
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$298,000	4,459
Trading account gains and fees	NA	NA
Additional Noninterest Income	$54,000	9,868
Total noninterest expense	$1,256,000	8,669
Salaries and employee benefits	$617,000	8,657
Premises and equipment expense	$169,000	8,403
Additional noninterest expense	$470,000	8,519
Pre-tax net operating income	$604,000	7,923
Securities gains (losses)	$2,000	6,773
Applicable income taxes	$129,000	9,109
Income before extraordinary items	$477,000	7,721
Extraordinary gains, net	$0	3,149
Net income	$477,000	7,909
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	7,819
Cash dividends	$250,000	4,831
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$475,420	7,487
1992-12-31 (YTD Data)		Rank
Total interest income	$2,405,000	10,080
Total interest expense	$943,000	10,646
Net interest income	$1,462,000	9,403
Provision for loan and lease losses	$30,000	9,956
Total noninterest income	$341,000	7,206
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$292,000	4,546
Trading account gains and fees	NA	NA
Additional Noninterest Income	$49,000	10,461
Total noninterest expense	$1,240,000	8,877
Salaries and employee benefits	$603,000	8,780
Premises and equipment expense	$165,000	8,699
Additional noninterest expense	$472,000	8,729
Pre-tax net operating income	$533,000	8,185
Securities gains (losses)	$-4,000	13,019
Applicable income taxes	$118,000	9,428
Income before extraordinary items	$411,000	8,101
Extraordinary gains, net	$0	1,422
Net income	$411,000	8,226
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$29,000	8,560
Cash dividends	$200,000	4,982
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$414,120	7,725

* 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.