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Farmers Savings Bank, Income and Expense

2000-12-31 (YTD Data)		Rank
Total interest income	$829,000	9,516
Total interest expense	$454,000	9,334
Net interest income	$375,000	9,621
Provision for loan and lease losses	$54,000	6,441
Total noninterest income	$53,000	9,290
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$49,000	7,655
Trading account gains and fees	NA	NA
Additional Noninterest Income	$4,000	9,680
Total noninterest expense	$340,000	9,707
Salaries and employee benefits	$155,000	9,736
Premises and equipment expense	$73,000	8,931
Additional noninterest expense	$112,000	9,550
Pre-tax net operating income	$34,000	9,007
Securities gains (losses)	$0	1,956
Applicable income taxes	$11,000	8,049
Income before extraordinary items	$23,000	9,061
Extraordinary gains, net	$0	38
Net income	$23,000	9,059
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	7,122
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$23,000	9,045
1999-12-31 (YTD Data)		Rank
Total interest income	$2,008,000	8,491
Total interest expense	$1,066,000	8,000
Net interest income	$942,000	8,755
Provision for loan and lease losses	$26,000	7,391
Total noninterest income	$146,000	8,154
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$91,000	6,892
Trading account gains and fees	NA	NA
Additional Noninterest Income	$55,000	7,882
Total noninterest expense	$753,000	8,874
Salaries and employee benefits	$443,000	8,659
Premises and equipment expense	$129,000	8,053
Additional noninterest expense	$181,000	9,221
Pre-tax net operating income	$309,000	8,044
Securities gains (losses)	$4,000	2,267
Applicable income taxes	$118,000	6,683
Income before extraordinary items	$195,000	8,347
Extraordinary gains, net	$0	35
Net income	$195,000	8,348
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,897
Cash dividends	$42,000	6,695
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$192,440	8,330
1998-12-31 (YTD Data)		Rank
Total interest income	$1,616,000	9,142
Total interest expense	$890,000	8,716
Net interest income	$726,000	9,433
Provision for loan and lease losses	$13,000	8,046
Total noninterest income	$126,000	8,604
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$59,000	7,810
Trading account gains and fees	NA	NA
Additional Noninterest Income	$67,000	7,572
Total noninterest expense	$660,000	9,223
Salaries and employee benefits	$376,000	9,112
Premises and equipment expense	$113,000	8,421
Additional noninterest expense	$171,000	9,448
Pre-tax net operating income	$179,000	9,013
Securities gains (losses)	$15,000	2,661
Applicable income taxes	$72,000	7,959
Income before extraordinary items	$122,000	9,171
Extraordinary gains, net	$0	32
Net income	$122,000	9,169
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,132
Cash dividends	$20,000	7,249
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$112,400	9,178
1997-12-31 (YTD Data)		Rank
Total interest income	$1,166,000	10,110
Total interest expense	$608,000	9,805
Net interest income	$558,000	10,271
Provision for loan and lease losses	$6,000	8,580
Total noninterest income	$59,000	10,114
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$43,000	8,594
Trading account gains and fees	NA	NA
Additional Noninterest Income	$16,000	10,083
Total noninterest expense	$465,000	10,265
Salaries and employee benefits	$262,000	10,196
Premises and equipment expense	$74,000	9,594
Additional noninterest expense	$129,000	10,241
Pre-tax net operating income	$146,000	9,864
Securities gains (losses)	$-15,000	10,235
Applicable income taxes	$48,000	9,287
Income before extraordinary items	$83,000	10,062
Extraordinary gains, net	$0	44
Net income	$83,000	10,064
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,513
Cash dividends	$174,000	5,685
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$92,600	9,964
1996-12-31 (YTD Data)		Rank
Total interest income	$1,110,000	10,658
Total interest expense	$572,000	10,368
Net interest income	$538,000	10,801
Provision for loan and lease losses	$6,000	8,753
Total noninterest income	$223,000	7,926
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$54,000	8,722
Trading account gains and fees	NA	NA
Additional Noninterest Income	$169,000	5,615
Total noninterest expense	$421,000	10,897
Salaries and employee benefits	$220,000	10,903
Premises and equipment expense	$73,000	9,997
Additional noninterest expense	$128,000	10,819
Pre-tax net operating income	$334,000	8,896
Securities gains (losses)	$-2,000	9,485
Applicable income taxes	$124,000	8,333
Income before extraordinary items	$208,000	9,220
Extraordinary gains, net	$0	53
Net income	$208,000	9,224
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	9,767
Cash dividends	$33,000	7,812
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$209,280	9,160
1995-12-31 (YTD Data)		Rank
Total interest income	$981,000	11,313
Total interest expense	$484,000	11,079
Net interest income	$497,000	11,406
Provision for loan and lease losses	$6,000	8,588
Total noninterest income	$69,000	10,984
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$59,000	8,952
Trading account gains and fees	NA	NA
Additional Noninterest Income	$10,000	11,496
Total noninterest expense	$386,000	11,475
Salaries and employee benefits	$221,000	11,360
Premises and equipment expense	$55,000	10,933
Additional noninterest expense	$110,000	11,520
Pre-tax net operating income	$174,000	10,614
Securities gains (losses)	$12,000	2,250
Applicable income taxes	$66,000	9,861
Income before extraordinary items	$120,000	10,748
Extraordinary gains, net	$0	65
Net income	$120,000	10,748
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	8,657
Cash dividends	$115,000	6,563
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$112,200	10,794
1994-12-31 (YTD Data)		Rank
Total interest income	$1,007,000	11,693
Total interest expense	$435,000	11,413
Net interest income	$572,000	11,793
Provision for loan and lease losses	$6,000	8,739
Total noninterest income	$69,000	11,514
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$56,000	9,478
Trading account gains and fees	NA	NA
Additional Noninterest Income	$13,000	11,916
Total noninterest expense	$425,000	11,934
Salaries and employee benefits	$224,000	11,893
Premises and equipment expense	$74,000	10,838
Additional noninterest expense	$127,000	12,062
Pre-tax net operating income	$210,000	10,815
Securities gains (losses)	$8,000	2,362
Applicable income taxes	$61,000	10,200
Income before extraordinary items	$157,000	10,731
Extraordinary gains, net	$0	249
Net income	$157,000	10,735
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	9,875
Cash dividends	$126,000	6,439
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$151,240	10,860
1993-12-31 (YTD Data)		Rank
Total interest income	$933,000	12,429
Total interest expense	$424,000	12,113
Net interest income	$509,000	12,531
Provision for loan and lease losses	$4,000	10,179
Total noninterest income	$63,000	12,223
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$56,000	9,838
Trading account gains and fees	NA	NA
Additional Noninterest Income	$7,000	12,927
Total noninterest expense	$427,000	12,522
Salaries and employee benefits	$194,000	12,693
Premises and equipment expense	$78,000	11,231
Additional noninterest expense	$155,000	12,350
Pre-tax net operating income	$141,000	11,544
Securities gains (losses)	$1,000	7,052
Applicable income taxes	$44,000	11,072
Income before extraordinary items	$98,000	11,821
Extraordinary gains, net	$-18,000	12,434
Net income	$80,000	12,042
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	9,293
Cash dividends	$69,000	7,554
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$97,310	11,640
1992-12-31 (YTD Data)		Rank
Total interest income	$962,000	13,093
Total interest expense	$478,000	12,849
Net interest income	$484,000	13,127
Provision for loan and lease losses	$2,000	11,664
Total noninterest income	$56,000	12,964
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$50,000	10,309
Trading account gains and fees	NA	NA
Additional Noninterest Income	$6,000	13,603
Total noninterest expense	$363,000	13,345
Salaries and employee benefits	$194,000	13,217
Premises and equipment expense	$49,000	12,719
Additional noninterest expense	$120,000	13,325
Pre-tax net operating income	$175,000	11,299
Securities gains (losses)	$4,000	7,235
Applicable income taxes	$57,000	11,058
Income before extraordinary items	$122,000	11,655
Extraordinary gains, net	$0	1,422
Net income	$122,000	11,733
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	11,197
Cash dividends	$100,000	6,542
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$119,280	11,371

* 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.