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Farmers & Merchants State Bank, Income and Expense

1995-12-31 (YTD Data)Rank
Total interest income$4,760,0006,193
Total interest expense$1,778,0006,953
Net interest income$2,982,0005,517
Provision for loan and lease losses$-20,00011,467
Total noninterest income$634,0004,402
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$523,0002,586
Trading account gains and feesNANA
Additional Noninterest Income$111,0006,893
Total noninterest expense$2,082,0005,801
Salaries and employee benefits$954,0006,278
Premises and equipment expense$196,0007,269
Additional noninterest expense$932,0004,619
Pre-tax net operating income$1,554,0004,326
Securities gains (losses)$7,0002,620
Applicable income taxes$532,0004,000
Income before extraordinary items$1,029,0004,478
Extraordinary gains, net$065
Net income$1,029,0004,476
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$13,0007,181
Cash dividends$500,0003,291
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,024,3804,492
1994-12-31 (YTD Data)Rank
Total interest income$4,293,0006,362
Total interest expense$1,440,0007,074
Net interest income$2,853,0005,824
Provision for loan and lease losses$52,0006,028
Total noninterest income$1,304,0002,574
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$596,0002,287
Trading account gains and feesNANA
Additional Noninterest Income$708,0002,312
Total noninterest expense$2,093,0005,980
Salaries and employee benefits$864,0006,851
Premises and equipment expense$200,0007,420
Additional noninterest expense$1,029,0004,609
Pre-tax net operating income$2,012,0003,406
Securities gains (losses)$03,600
Applicable income taxes$693,0003,115
Income before extraordinary items$1,319,0003,547
Extraordinary gains, net$0249
Net income$1,319,0003,555
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$122,0003,355
Cash dividends$1,000,0001,879
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,319,0003,584
1993-12-31 (YTD Data)Rank
Total interest income$4,345,0006,475
Total interest expense$1,502,0007,200
Net interest income$2,843,0005,894
Provision for loan and lease losses$165,0004,400
Total noninterest income$683,0004,512
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$516,0002,697
Trading account gains and feesNANA
Additional Noninterest Income$167,0006,217
Total noninterest expense$2,258,0005,744
Salaries and employee benefits$802,0007,308
Premises and equipment expense$234,0007,011
Additional noninterest expense$1,222,0004,128
Pre-tax net operating income$1,103,0005,503
Securities gains (losses)$07,477
Applicable income taxes$304,0006,031
Income before extraordinary items$799,0005,578
Extraordinary gains, net$100,0001,558
Net income$899,0005,258
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$294,0002,507
Cash dividends$424,0003,510
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$799,0005,344
1992-12-31 (YTD Data)Rank
Total interest income$4,969,0006,421
Total interest expense$2,044,0007,016
Net interest income$2,925,0005,842
Provision for loan and lease losses$616,0002,582
Total noninterest income$659,0004,626
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$523,0002,648
Trading account gains and feesNANA
Additional Noninterest Income$136,0006,990
Total noninterest expense$2,360,0005,565
Salaries and employee benefits$867,0006,825
Premises and equipment expense$223,0007,323
Additional noninterest expense$1,270,0004,128
Pre-tax net operating income$608,0007,650
Securities gains (losses)$08,369
Applicable income taxes$182,0007,938
Income before extraordinary items$426,0007,962
Extraordinary gains, net$01,422
Net income$426,0008,087
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$770,0001,855
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$426,0007,602

* 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.