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Farmers Savings Bank, Income and Expense

2000-12-31 (YTD Data)		Rank
Total interest income	$1,282,000	9,172
Total interest expense	$633,000	8,987
Net interest income	$649,000	9,217
Provision for loan and lease losses	$16,000	7,742
Total noninterest income	$104,000	8,542
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$33,000	8,025
Trading account gains and fees	NA	NA
Additional Noninterest Income	$71,000	7,155
Total noninterest expense	$575,000	9,176
Salaries and employee benefits	$345,000	9,024
Premises and equipment expense	$77,000	8,850
Additional noninterest expense	$153,000	9,212
Pre-tax net operating income	$162,000	8,539
Securities gains (losses)	$-4,000	7,844
Applicable income taxes	$45,000	7,320
Income before extraordinary items	$113,000	8,625
Extraordinary gains, net	$0	38
Net income	$113,000	8,625
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$34,000	5,307
Cash dividends	$63,000	6,288
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$115,880	8,606
1999-12-31 (YTD Data)		Rank
Total interest income	$1,302,000	9,308
Total interest expense	$614,000	9,172
Net interest income	$688,000	9,308
Provision for loan and lease losses	$0	8,503
Total noninterest income	$100,000	8,822
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$34,000	8,210
Trading account gains and fees	NA	NA
Additional Noninterest Income	$66,000	7,548
Total noninterest expense	$595,000	9,332
Salaries and employee benefits	$358,000	9,137
Premises and equipment expense	$67,000	9,293
Additional noninterest expense	$170,000	9,341
Pre-tax net operating income	$193,000	8,616
Securities gains (losses)	$3,000	2,393
Applicable income taxes	$50,000	7,632
Income before extraordinary items	$146,000	8,665
Extraordinary gains, net	$0	35
Net income	$146,000	8,664
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$70,000	4,227
Cash dividends	$80,000	6,280
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$143,780	8,641
1998-12-31 (YTD Data)		Rank
Total interest income	$1,308,000	9,520
Total interest expense	$659,000	9,311
Net interest income	$649,000	9,613
Provision for loan and lease losses	$0	8,652
Total noninterest income	$93,000	9,131
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$35,000	8,408
Trading account gains and fees	NA	NA
Additional Noninterest Income	$58,000	7,880
Total noninterest expense	$525,000	9,689
Salaries and employee benefits	$335,000	9,389
Premises and equipment expense	$58,000	9,619
Additional noninterest expense	$132,000	9,835
Pre-tax net operating income	$217,000	8,832
Securities gains (losses)	$0	4,449
Applicable income taxes	$73,000	7,940
Income before extraordinary items	$144,000	9,020
Extraordinary gains, net	$0	32
Net income	$144,000	9,018
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$43,000	5,222
Cash dividends	$91,000	6,372
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$144,000	8,958
1997-12-31 (YTD Data)		Rank
Total interest income	$1,247,000	9,992
Total interest expense	$595,000	9,839
Net interest income	$652,000	10,059
Provision for loan and lease losses	$0	8,829
Total noninterest income	$94,000	9,532
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$30,000	8,921
Trading account gains and fees	NA	NA
Additional Noninterest Income	$64,000	7,887
Total noninterest expense	$530,000	10,016
Salaries and employee benefits	$327,000	9,765
Premises and equipment expense	$62,000	9,902
Additional noninterest expense	$141,000	10,108
Pre-tax net operating income	$216,000	9,493
Securities gains (losses)	$0	3,944
Applicable income taxes	$72,000	8,875
Income before extraordinary items	$144,000	9,640
Extraordinary gains, net	$0	44
Net income	$144,000	9,641
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	9,638
Cash dividends	$116,000	6,294
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$144,000	9,590
1996-12-31 (YTD Data)		Rank
Total interest income	$1,249,000	10,464
Total interest expense	$624,000	10,197
Net interest income	$625,000	10,592
Provision for loan and lease losses	$0	9,041
Total noninterest income	$82,000	10,243
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$30,000	9,384
Trading account gains and fees	NA	NA
Additional Noninterest Income	$52,000	8,801
Total noninterest expense	$522,000	10,490
Salaries and employee benefits	$325,000	10,137
Premises and equipment expense	$59,000	10,387
Additional noninterest expense	$138,000	10,704
Pre-tax net operating income	$185,000	9,881
Securities gains (losses)	$4,000	3,123
Applicable income taxes	$65,000	9,414
Income before extraordinary items	$124,000	10,005
Extraordinary gains, net	$0	53
Net income	$124,000	10,003
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-5,000	10,158
Cash dividends	$78,000	7,086
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$121,360	9,977
1995-12-31 (YTD Data)		Rank
Total interest income	$1,240,000	10,925
Total interest expense	$636,000	10,547
Net interest income	$604,000	11,113
Provision for loan and lease losses	$0	8,958
Total noninterest income	$86,000	10,600
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$28,000	9,846
Trading account gains and fees	NA	NA
Additional Noninterest Income	$58,000	8,849
Total noninterest expense	$565,000	10,727
Salaries and employee benefits	$316,000	10,619
Premises and equipment expense	$62,000	10,713
Additional noninterest expense	$187,000	10,592
Pre-tax net operating income	$125,000	10,939
Securities gains (losses)	$-8,000	9,956
Applicable income taxes	$29,000	10,603
Income before extraordinary items	$88,000	11,035
Extraordinary gains, net	$0	65
Net income	$88,000	11,034
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	7,181
Cash dividends	$48,000	7,835
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$94,000	10,957
1994-12-31 (YTD Data)		Rank
Total interest income	$1,251,000	11,242
Total interest expense	$567,000	10,760
Net interest income	$684,000	11,430
Provision for loan and lease losses	$0	9,146
Total noninterest income	$69,000	11,514
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$30,000	10,321
Trading account gains and fees	NA	NA
Additional Noninterest Income	$39,000	10,213
Total noninterest expense	$597,000	11,138
Salaries and employee benefits	$369,000	10,558
Premises and equipment expense	$54,000	11,490
Additional noninterest expense	$174,000	11,482
Pre-tax net operating income	$156,000	11,225
Securities gains (losses)	$3,000	2,889
Applicable income taxes	$40,000	10,689
Income before extraordinary items	$119,000	11,176
Extraordinary gains, net	$0	249
Net income	$119,000	11,183
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$39,000	5,574
Cash dividends	$62,000	7,665
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$116,750	11,248
1993-12-31 (YTD Data)		Rank
Total interest income	$1,354,000	11,559
Total interest expense	$642,000	10,910
Net interest income	$712,000	11,826
Provision for loan and lease losses	$0	10,371
Total noninterest income	$87,000	11,637
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$31,000	10,719
Trading account gains and fees	NA	NA
Additional Noninterest Income	$56,000	9,758
Total noninterest expense	$600,000	11,657
Salaries and employee benefits	$373,000	10,905
Premises and equipment expense	$66,000	11,648
Additional noninterest expense	$161,000	12,267
Pre-tax net operating income	$199,000	11,048
Securities gains (losses)	$0	7,477
Applicable income taxes	$62,000	10,653
Income before extraordinary items	$137,000	11,372
Extraordinary gains, net	$0	3,149
Net income	$137,000	11,441
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-25,000	12,272
Cash dividends	$72,000	7,482
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$137,000	11,167
1992-12-31 (YTD Data)		Rank
Total interest income	$1,547,000	11,848
Total interest expense	$743,000	11,615
Net interest income	$804,000	11,895
Provision for loan and lease losses	$0	11,756
Total noninterest income	$75,000	12,416
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$15,000	11,488
Trading account gains and fees	NA	NA
Additional Noninterest Income	$60,000	9,797
Total noninterest expense	$604,000	12,039
Salaries and employee benefits	$379,000	11,109
Premises and equipment expense	$71,000	11,832
Additional noninterest expense	$154,000	12,891
Pre-tax net operating income	$275,000	10,373
Securities gains (losses)	$0	8,369
Applicable income taxes	$95,000	10,051
Income before extraordinary items	$180,000	10,869
Extraordinary gains, net	$0	1,422
Net income	$180,000	10,968
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-56,000	13,532
Cash dividends	$76,000	7,093
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$180,000	10,537

* 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.