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Farmers Savings Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$942,000	10,893
Total interest expense	$391,000	10,895
Net interest income	$551,000	10,770
Provision for loan and lease losses	$0	9,041
Total noninterest income	$24,000	11,209
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$10,000	9,750
Trading account gains and fees	NA	NA
Additional Noninterest Income	$14,000	10,772
Total noninterest expense	$301,000	11,223
Salaries and employee benefits	$161,000	11,192
Premises and equipment expense	$22,000	11,270
Additional noninterest expense	$118,000	10,912
Pre-tax net operating income	$274,000	9,298
Securities gains (losses)	$0	4,148
Applicable income taxes	$74,000	9,268
Income before extraordinary items	$200,000	9,298
Extraordinary gains, net	$0	53
Net income	$200,000	9,301
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,805
Cash dividends	$5,000	8,271
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$200,000	9,241
1995-12-31 (YTD Data)		Rank
Total interest income	$943,000	11,373
Total interest expense	$393,000	11,350
Net interest income	$550,000	11,268
Provision for loan and lease losses	$0	8,958
Total noninterest income	$36,000	11,570
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$12,000	10,148
Trading account gains and fees	NA	NA
Additional Noninterest Income	$24,000	10,650
Total noninterest expense	$294,000	11,727
Salaries and employee benefits	$164,000	11,677
Premises and equipment expense	$25,000	11,720
Additional noninterest expense	$105,000	11,565
Pre-tax net operating income	$292,000	9,807
Securities gains (losses)	$-23,000	10,647
Applicable income taxes	$65,000	9,880
Income before extraordinary items	$204,000	9,883
Extraordinary gains, net	$0	65
Net income	$204,000	9,888
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,856
Cash dividends	$130,000	6,332
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$221,480	9,669
1994-12-31 (YTD Data)		Rank
Total interest income	$858,000	11,976
Total interest expense	$330,000	11,903
Net interest income	$528,000	11,914
Provision for loan and lease losses	$30,000	7,083
Total noninterest income	$33,000	12,227
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$12,000	10,689
Trading account gains and fees	NA	NA
Additional Noninterest Income	$21,000	11,366
Total noninterest expense	$404,000	12,020
Salaries and employee benefits	$246,000	11,699
Premises and equipment expense	$21,000	12,416
Additional noninterest expense	$137,000	11,944
Pre-tax net operating income	$127,000	11,437
Securities gains (losses)	$4,000	2,755
Applicable income taxes	$36,000	10,781
Income before extraordinary items	$95,000	11,429
Extraordinary gains, net	$0	249
Net income	$95,000	11,434
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,921
Cash dividends	$104,000	6,789
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$92,080	11,504
1993-12-31 (YTD Data)		Rank
Total interest income	$829,000	12,618
Total interest expense	$364,000	12,383
Net interest income	$465,000	12,650
Provision for loan and lease losses	$0	10,371
Total noninterest income	$29,000	12,948
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$12,000	11,170
Trading account gains and fees	NA	NA
Additional Noninterest Income	$17,000	12,255
Total noninterest expense	$355,000	12,813
Salaries and employee benefits	$222,000	12,437
Premises and equipment expense	$26,000	12,948
Additional noninterest expense	$107,000	12,874
Pre-tax net operating income	$139,000	11,563
Securities gains (losses)	$1,000	7,052
Applicable income taxes	$32,000	11,333
Income before extraordinary items	$108,000	11,719
Extraordinary gains, net	$0	3,149
Net income	$108,000	11,773
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	9,922
Cash dividends	$3,000	9,038
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$107,230	11,532
1992-12-31 (YTD Data)		Rank
Total interest income	$916,000	13,166
Total interest expense	$490,000	12,800
Net interest income	$426,000	13,315
Provision for loan and lease losses	$21,000	10,525
Total noninterest income	$31,000	13,519
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$12,000	11,559
Trading account gains and fees	NA	NA
Additional Noninterest Income	$19,000	12,651
Total noninterest expense	$342,000	13,431
Salaries and employee benefits	$212,000	13,023
Premises and equipment expense	$22,000	13,625
Additional noninterest expense	$108,000	13,453
Pre-tax net operating income	$94,000	12,084
Securities gains (losses)	$34,000	4,785
Applicable income taxes	$26,000	11,922
Income before extraordinary items	$102,000	11,907
Extraordinary gains, net	$0	1,422
Net income	$102,000	11,979
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	11,197
Cash dividends	$3,000	8,860
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$74,800	12,006

* 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.