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First Farmers and Merchants Bank, Income and Expense

1996-12-31 (YTD Data)Rank
Total interest income$7,429,0004,328
Total interest expense$2,976,0004,823
Net interest income$4,453,0003,925
Provision for loan and lease losses$09,041
Total noninterest income$1,346,0002,481
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$854,0001,566
Trading account gains and fees$0262
Additional Noninterest Income$492,0002,957
Total noninterest expense$3,712,0003,574
Salaries and employee benefits$1,756,0003,750
Premises and equipment expense$609,0003,160
Additional noninterest expense$1,347,0003,421
Pre-tax net operating income$2,087,0003,300
Securities gains (losses)$35,0001,578
Applicable income taxes$564,0003,766
Income before extraordinary items$1,558,0003,083
Extraordinary gains, net$053
Net income$1,558,0003,085
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$37,0005,845
Cash dividends$1,179,0001,918
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,532,4503,092
1995-12-31 (YTD Data)Rank
Total interest income$7,822,0004,098
Total interest expense$3,106,0004,612
Net interest income$4,716,0003,726
Provision for loan and lease losses$08,958
Total noninterest income$1,207,0002,706
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$940,0001,453
Trading account gains and fees$0522
Additional Noninterest Income$267,0004,300
Total noninterest expense$3,706,0003,551
Salaries and employee benefits$1,711,0003,803
Premises and equipment expense$539,0003,521
Additional noninterest expense$1,456,0003,171
Pre-tax net operating income$2,217,0003,191
Securities gains (losses)$7,0002,620
Applicable income taxes$735,0003,108
Income before extraordinary items$1,489,0003,272
Extraordinary gains, net$065
Net income$1,489,0003,271
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$37,0005,662
Cash dividends$1,900,0001,297
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,484,3103,252
1994-12-31 (YTD Data)Rank
Total interest income$2,320,0009,215
Total interest expense$805,0009,579
Net interest income$1,515,0008,846
Provision for loan and lease losses$09,146
Total noninterest income$658,0004,341
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$396,0003,405
Trading account gains and feesNANA
Additional Noninterest Income$262,0004,461
Total noninterest expense$1,489,0007,634
Salaries and employee benefits$747,0007,538
Premises and equipment expense$220,0007,054
Additional noninterest expense$522,0007,654
Pre-tax net operating income$684,0007,494
Securities gains (losses)$03,600
Applicable income taxes$124,0008,842
Income before extraordinary items$560,0006,832
Extraordinary gains, net$0249
Net income$560,0006,846
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,0008,524
Cash dividends$550,0002,971
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$560,0006,885
1993-12-31 (YTD Data)Rank
Total interest income$1,591,00011,014
Total interest expense$576,00011,283
Net interest income$1,015,00010,731
Provision for loan and lease losses$010,371
Total noninterest income$593,0004,999
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$310,0004,297
Trading account gains and feesNANA
Additional Noninterest Income$283,0004,630
Total noninterest expense$1,091,0009,357
Salaries and employee benefits$488,0009,786
Premises and equipment expense$176,0008,234
Additional noninterest expense$427,0008,960
Pre-tax net operating income$517,0008,553
Securities gains (losses)$07,477
Applicable income taxes$189,0007,831
Income before extraordinary items$328,0009,146
Extraordinary gains, net$03,149
Net income$328,0009,314
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$30,0007,032
Cash dividends$78,0007,356
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$328,0008,887
1992-12-31 (YTD Data)Rank
Total interest income$2,638,0009,656
Total interest expense$1,115,0009,928
Net interest income$1,523,0009,202
Provision for loan and lease losses$-125,00013,736
Total noninterest income$655,0004,650
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$409,0003,402
Trading account gains and feesNANA
Additional Noninterest Income$246,0005,004
Total noninterest expense$1,905,0006,643
Salaries and employee benefits$623,0008,615
Premises and equipment expense$254,0006,707
Additional noninterest expense$1,028,0004,950
Pre-tax net operating income$398,0009,263
Securities gains (losses)$27,0005,154
Applicable income taxes$167,0008,227
Income before extraordinary items$258,0009,813
Extraordinary gains, net$01,422
Net income$258,0009,959
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$70,0006,766
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$240,7209,678

* 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.