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Farmers Savings Bank, Income and Expense

2003-06-30 (YTD Data)		Rank
Total interest income	$1,430,000	6,806
Total interest expense	$626,000	5,694
Net interest income	$804,000	7,267
Provision for loan and lease losses	$10,000	6,790
Total noninterest income	$144,000	6,722
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$37,000	7,065
Trading account gains and fees	$0	150
Additional Noninterest Income	$107,000	5,211
Total noninterest expense	$637,000	7,343
Salaries and employee benefits	$305,000	7,649
Premises and equipment expense	$63,000	7,744
Additional noninterest expense	$269,000	6,317
Pre-tax net operating income	$301,000	6,489
Securities gains (losses)	$0	3,782
Applicable income taxes	$15,000	6,772
Income before extraordinary items	$286,000	6,200
Extraordinary gains, net	$0	30
Net income	$286,000	6,199
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$47,000	3,501
Cash dividends	$60,000	4,634
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$286,000	5,998
2003-03-31 (YTD Data)		Rank
Total interest income	$720,000	6,829
Total interest expense	$321,000	5,729
Net interest income	$399,000	7,302
Provision for loan and lease losses	$0	6,934
Total noninterest income	$88,000	6,207
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$18,000	7,056
Trading account gains and fees	$0	134
Additional Noninterest Income	$70,000	4,607
Total noninterest expense	$301,000	7,503
Salaries and employee benefits	$146,000	7,774
Premises and equipment expense	$33,000	7,707
Additional noninterest expense	$122,000	6,602
Pre-tax net operating income	$186,000	6,007
Securities gains (losses)	$0	2,891
Applicable income taxes	$9,000	6,623
Income before extraordinary items	$177,000	5,641
Extraordinary gains, net	$0	21
Net income	$177,000	5,640
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$48,000	2,229
Cash dividends	$30,000	3,631
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$177,000	5,442
2002-12-31 (YTD Data)		Rank
Total interest income	$2,985,000	6,875
Total interest expense	$1,441,000	5,855
Net interest income	$1,544,000	7,360
Provision for loan and lease losses	$0	8,089
Total noninterest income	$215,000	7,162
Gross Fiduciary activities income	$1,000	1,652
Service charges on deposit accounts	$72,000	7,089
Trading account gains and fees	$0	153
Additional Noninterest Income	$142,000	5,719
Total noninterest expense	$1,635,000	6,592
Salaries and employee benefits	$570,000	7,842
Premises and equipment expense	$143,000	7,535
Additional noninterest expense	$922,000	4,456
Pre-tax net operating income	$124,000	8,224
Securities gains (losses)	$0	4,537
Applicable income taxes	$37,000	6,721
Income before extraordinary items	$87,000	8,394
Extraordinary gains, net	$0	70
Net income	$87,000	8,397
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-15,000	8,908
Cash dividends	$191,000	4,961
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$87,000	8,304
2001-12-31 (YTD Data)		Rank
Total interest income	$3,156,000	7,090
Total interest expense	$1,688,000	6,623
Net interest income	$1,468,000	7,393
Provision for loan and lease losses	$0	8,228
Total noninterest income	$220,000	7,122
Gross Fiduciary activities income	$1,000	1,678
Service charges on deposit accounts	$69,000	7,188
Trading account gains and fees	$0	177
Additional Noninterest Income	$150,000	5,549
Total noninterest expense	$1,344,000	7,137
Salaries and employee benefits	$653,000	7,415
Premises and equipment expense	$160,000	7,369
Additional noninterest expense	$531,000	6,257
Pre-tax net operating income	$344,000	7,215
Securities gains (losses)	$98,000	1,760
Applicable income taxes	$115,000	5,834
Income before extraordinary items	$327,000	6,971
Extraordinary gains, net	$0	105
Net income	$327,000	6,971
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$96,000	4,122
Cash dividends	$300,000	4,357
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$254,480	7,298
2000-12-31 (YTD Data)		Rank
Total interest income	$3,564,000	6,860
Total interest expense	$1,812,000	6,575
Net interest income	$1,752,000	7,003
Provision for loan and lease losses	$0	8,337
Total noninterest income	$114,000	8,392
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$75,000	7,101
Trading account gains and fees	NA	NA
Additional Noninterest Income	$39,000	8,200
Total noninterest expense	$1,552,000	6,604
Salaries and employee benefits	$793,000	6,761
Premises and equipment expense	$166,000	7,315
Additional noninterest expense	$593,000	5,841
Pre-tax net operating income	$314,000	7,848
Securities gains (losses)	$-6,000	8,044
Applicable income taxes	$60,000	7,071
Income before extraordinary items	$248,000	7,789
Extraordinary gains, net	$0	38
Net income	$248,000	7,789
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$161,000	2,750
Cash dividends	$151,000	5,471
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$252,860	7,766
1999-12-31 (YTD Data)		Rank
Total interest income	$3,623,000	6,703
Total interest expense	$1,791,000	6,372
Net interest income	$1,832,000	6,948
Provision for loan and lease losses	$570,000	1,589
Total noninterest income	$150,000	8,102
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$79,000	7,144
Trading account gains and fees	NA	NA
Additional Noninterest Income	$71,000	7,394
Total noninterest expense	$1,365,000	7,127
Salaries and employee benefits	$789,000	6,803
Premises and equipment expense	$163,000	7,432
Additional noninterest expense	$413,000	7,161
Pre-tax net operating income	$47,000	9,249
Securities gains (losses)	$20,000	1,398
Applicable income taxes	$-8,000	9,652
Income before extraordinary items	$75,000	9,115
Extraordinary gains, net	$0	35
Net income	$75,000	9,113
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$226,000	2,221
Cash dividends	$123,000	5,873
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$55,000	9,191
1998-12-31 (YTD Data)		Rank
Total interest income	$3,555,000	6,895
Total interest expense	$1,768,000	6,608
Net interest income	$1,787,000	7,081
Provision for loan and lease losses	$38,000	7,037
Total noninterest income	$130,000	8,543
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$72,000	7,483
Trading account gains and fees	NA	NA
Additional Noninterest Income	$58,000	7,880
Total noninterest expense	$1,332,000	7,149
Salaries and employee benefits	$769,000	6,820
Premises and equipment expense	$160,000	7,432
Additional noninterest expense	$403,000	7,195
Pre-tax net operating income	$547,000	7,167
Securities gains (losses)	$67,000	1,537
Applicable income taxes	$217,000	5,993
Income before extraordinary items	$397,000	7,242
Extraordinary gains, net	$0	32
Net income	$397,000	7,239
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	7,392
Cash dividends	$147,000	5,843
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$353,450	7,428
1997-12-31 (YTD Data)		Rank
Total interest income	$3,602,000	7,060
Total interest expense	$1,826,000	6,617
Net interest income	$1,776,000	7,368
Provision for loan and lease losses	$4,000	8,695
Total noninterest income	$161,000	8,415
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$72,000	7,828
Trading account gains and fees	NA	NA
Additional Noninterest Income	$89,000	7,113
Total noninterest expense	$1,369,000	7,122
Salaries and employee benefits	$758,000	6,981
Premises and equipment expense	$160,000	7,589
Additional noninterest expense	$451,000	6,918
Pre-tax net operating income	$564,000	7,587
Securities gains (losses)	$2,000	3,292
Applicable income taxes	$189,000	7,036
Income before extraordinary items	$377,000	7,802
Extraordinary gains, net	$0	44
Net income	$377,000	7,805
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	8,093
Cash dividends	$172,000	5,694
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$375,660	7,755
1996-12-31 (YTD Data)		Rank
Total interest income	$3,651,000	7,220
Total interest expense	$1,880,000	6,658
Net interest income	$1,771,000	7,619
Provision for loan and lease losses	$325,000	2,425
Total noninterest income	$159,000	8,869
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$84,000	7,883
Trading account gains and fees	NA	NA
Additional Noninterest Income	$75,000	7,907
Total noninterest expense	$1,348,000	7,520
Salaries and employee benefits	$768,000	7,149
Premises and equipment expense	$153,000	7,986
Additional noninterest expense	$427,000	7,658
Pre-tax net operating income	$257,000	9,436
Securities gains (losses)	$31,000	1,673
Applicable income taxes	$76,000	9,229
Income before extraordinary items	$212,000	9,184
Extraordinary gains, net	$0	53
Net income	$212,000	9,187
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$271,000	2,222
Cash dividends	$147,000	6,100
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$189,060	9,344
1995-12-31 (YTD Data)		Rank
Total interest income	$3,390,000	7,694
Total interest expense	$1,755,000	7,004
Net interest income	$1,635,000	8,179
Provision for loan and lease losses	$60,000	5,704
Total noninterest income	$195,000	8,512
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$88,000	8,082
Trading account gains and fees	NA	NA
Additional Noninterest Income	$107,000	7,021
Total noninterest expense	$1,339,000	7,761
Salaries and employee benefits	$767,000	7,298
Premises and equipment expense	$138,000	8,574
Additional noninterest expense	$434,000	7,865
Pre-tax net operating income	$431,000	8,863
Securities gains (losses)	$43,000	1,415
Applicable income taxes	$135,000	8,529
Income before extraordinary items	$339,000	8,576
Extraordinary gains, net	$0	65
Net income	$339,000	8,580
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,000	6,876
Cash dividends	$143,000	6,180
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$308,040	8,823
1994-12-31 (YTD Data)		Rank
Total interest income	$2,786,000	8,406
Total interest expense	$1,366,000	7,325
Net interest income	$1,420,000	9,095
Provision for loan and lease losses	$28,000	7,286
Total noninterest income	$139,000	9,938
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$85,000	8,530
Trading account gains and fees	NA	NA
Additional Noninterest Income	$54,000	9,402
Total noninterest expense	$1,241,000	8,460
Salaries and employee benefits	$695,000	7,921
Premises and equipment expense	$113,000	9,600
Additional noninterest expense	$433,000	8,496
Pre-tax net operating income	$290,000	10,206
Securities gains (losses)	$-71,000	11,310
Applicable income taxes	$15,000	11,265
Income before extraordinary items	$204,000	10,225
Extraordinary gains, net	$0	249
Net income	$204,000	10,235
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	6,702
Cash dividends	$80,000	7,289
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$270,030	9,534
1993-12-31 (YTD Data)		Rank
Total interest income	$2,598,000	9,008
Total interest expense	$1,238,000	8,117
Net interest income	$1,360,000	9,545
Provision for loan and lease losses	$26,000	8,647
Total noninterest income	$132,000	10,584
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$68,000	9,406
Trading account gains and fees	NA	NA
Additional Noninterest Income	$64,000	9,332
Total noninterest expense	$1,209,000	8,857
Salaries and employee benefits	$651,000	8,382
Premises and equipment expense	$106,000	10,264
Additional noninterest expense	$452,000	8,705
Pre-tax net operating income	$257,000	10,576
Securities gains (losses)	$161,000	1,916
Applicable income taxes	$88,000	10,034
Income before extraordinary items	$330,000	9,127
Extraordinary gains, net	$0	3,149
Net income	$330,000	9,286
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	11,177
Cash dividends	$118,000	6,606
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$202,810	10,393
1992-12-31 (YTD Data)		Rank
Total interest income	$2,825,000	9,276
Total interest expense	$1,400,000	8,854
Net interest income	$1,425,000	9,530
Provision for loan and lease losses	$50,000	9,026
Total noninterest income	$172,000	9,986
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$73,000	9,449
Trading account gains and fees	NA	NA
Additional Noninterest Income	$99,000	8,102
Total noninterest expense	$1,126,000	9,380
Salaries and employee benefits	$573,000	9,054
Premises and equipment expense	$90,000	11,109
Additional noninterest expense	$463,000	8,834
Pre-tax net operating income	$421,000	9,054
Securities gains (losses)	$159,000	2,342
Applicable income taxes	$157,000	8,451
Income before extraordinary items	$423,000	7,984
Extraordinary gains, net	$0	1,422
Net income	$423,000	8,114
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$30,000	8,508
Cash dividends	$320,000	3,843
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$306,930	8,858

* 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.