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Farmers Savings Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$936,000	10,896
Total interest expense	$457,000	10,727
Net interest income	$479,000	10,935
Provision for loan and lease losses	$-47,000	11,185
Total noninterest income	$66,000	10,565
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$18,000	9,614
Trading account gains and fees	NA	NA
Additional Noninterest Income	$48,000	8,981
Total noninterest expense	$459,000	10,757
Salaries and employee benefits	$376,000	9,770
Premises and equipment expense	$14,000	11,350
Additional noninterest expense	$69,000	11,307
Pre-tax net operating income	$133,000	10,193
Securities gains (losses)	$0	4,148
Applicable income taxes	$40,000	9,864
Income before extraordinary items	$93,000	10,280
Extraordinary gains, net	$0	53
Net income	$93,000	10,279
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-41,000	10,972
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$93,000	10,232
1995-12-31 (YTD Data)		Rank
Total interest income	$991,000	11,293
Total interest expense	$432,000	11,240
Net interest income	$559,000	11,242
Provision for loan and lease losses	$0	8,958
Total noninterest income	$21,000	11,769
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$18,000	10,054
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,000	11,841
Total noninterest expense	$492,000	11,049
Salaries and employee benefits	$380,000	10,087
Premises and equipment expense	$18,000	11,826
Additional noninterest expense	$94,000	11,664
Pre-tax net operating income	$88,000	11,152
Securities gains (losses)	$15,000	2,090
Applicable income taxes	$27,000	10,638
Income before extraordinary items	$76,000	11,130
Extraordinary gains, net	$0	65
Net income	$76,000	11,127
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,856
Cash dividends	$50,000	7,734
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$64,900	11,175
1994-12-31 (YTD Data)		Rank
Total interest income	$615,000	12,293
Total interest expense	$336,000	11,879
Net interest income	$279,000	12,430
Provision for loan and lease losses	$-100,000	12,140
Total noninterest income	$26,000	12,324
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$21,000	10,526
Trading account gains and fees	NA	NA
Additional Noninterest Income	$5,000	12,349
Total noninterest expense	$409,000	11,999
Salaries and employee benefits	$285,000	11,348
Premises and equipment expense	$19,000	12,444
Additional noninterest expense	$105,000	12,257
Pre-tax net operating income	$-4,000	12,107
Securities gains (losses)	$-29,000	10,630
Applicable income taxes	$-51,000	12,221
Income before extraordinary items	$18,000	11,976
Extraordinary gains, net	$0	249
Net income	$18,000	11,976
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,921
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$36,560	11,922
1993-12-31 (YTD Data)		Rank
Total interest income	$518,000	13,041
Total interest expense	$323,000	12,571
Net interest income	$195,000	13,134
Provision for loan and lease losses	$-160,000	12,998
Total noninterest income	$28,000	12,964
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$23,000	10,936
Trading account gains and fees	NA	NA
Additional Noninterest Income	$5,000	13,037
Total noninterest expense	$378,000	12,730
Salaries and employee benefits	$286,000	11,805
Premises and equipment expense	$18,000	13,121
Additional noninterest expense	$74,000	13,117
Pre-tax net operating income	$5,000	12,374
Securities gains (losses)	$-2,000	12,373
Applicable income taxes	$1,000	12,075
Income before extraordinary items	$2,000	12,516
Extraordinary gains, net	$0	3,149
Net income	$2,000	12,539
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	9,922
Cash dividends	$50,000	7,918
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$3,340	12,378
1992-12-31 (YTD Data)		Rank
Total interest income	$804,000	13,350
Total interest expense	$431,000	13,061
Net interest income	$373,000	13,454
Provision for loan and lease losses	$0	11,756
Total noninterest income	$35,000	13,454
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$19,000	11,388
Trading account gains and fees	NA	NA
Additional Noninterest Income	$16,000	12,899
Total noninterest expense	$530,000	12,453
Salaries and employee benefits	$374,000	11,165
Premises and equipment expense	$23,000	13,601
Additional noninterest expense	$133,000	13,171
Pre-tax net operating income	$-122,000	12,984
Securities gains (losses)	$702,000	840
Applicable income taxes	$229,000	7,010
Income before extraordinary items	$351,000	8,707
Extraordinary gains, net	$0	1,422
Net income	$351,000	8,840
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	11,197
Cash dividends	$50,000	7,650
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$-98,280	12,912

* 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.