Home > First Merchants Bank > Income and Expense
First Merchants Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,120,000 | 8,865 |
| Total interest expense | $964,000 | 8,789 |
| Net interest income | $1,156,000 | 8,791 |
| Provision for loan and lease losses | $84,000 | 5,567 |
| Total noninterest income | $513,000 | 4,934 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $437,000 | 2,978 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $76,000 | 7,510 |
| Total noninterest expense | $1,203,000 | 7,667 |
| Salaries and employee benefits | $584,000 | 8,029 |
| Premises and equipment expense | $127,000 | 8,316 |
| Additional noninterest expense | $492,000 | 6,565 |
| Pre-tax net operating income | $382,000 | 8,534 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $114,000 | 8,186 |
| Income before extraordinary items | $268,000 | 8,618 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $268,000 | 8,620 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 3,774 |
| Cash dividends | $125,000 | 6,160 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $268,000 | 8,578 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,054,000 | 9,307 |
| Total interest expense | $893,000 | 9,354 |
| Net interest income | $1,161,000 | 9,126 |
| Provision for loan and lease losses | $71,000 | 5,818 |
| Total noninterest income | $514,000 | 5,060 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $418,000 | 3,222 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $96,000 | 7,256 |
| Total noninterest expense | $1,186,000 | 8,019 |
| Salaries and employee benefits | $591,000 | 8,198 |
| Premises and equipment expense | $149,000 | 8,083 |
| Additional noninterest expense | $446,000 | 7,499 |
| Pre-tax net operating income | $418,000 | 8,404 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $139,000 | 8,045 |
| Income before extraordinary items | $279,000 | 8,599 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $279,000 | 8,597 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,845 |
| Cash dividends | $100,000 | 6,641 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $279,000 | 8,531 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,807,000 | 10,025 |
| Total interest expense | $728,000 | 10,202 |
| Net interest income | $1,079,000 | 9,689 |
| Provision for loan and lease losses | $58,000 | 5,942 |
| Total noninterest income | $421,000 | 5,799 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $378,000 | 3,537 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $43,000 | 9,575 |
| Total noninterest expense | $1,153,000 | 8,380 |
| Salaries and employee benefits | $584,000 | 8,466 |
| Premises and equipment expense | $145,000 | 8,397 |
| Additional noninterest expense | $424,000 | 7,966 |
| Pre-tax net operating income | $289,000 | 9,835 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $88,000 | 9,430 |
| Income before extraordinary items | $201,000 | 9,910 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $201,000 | 9,915 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,798 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $201,000 | 9,887 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,549,000 | 10,642 |
| Total interest expense | $539,000 | 10,914 |
| Net interest income | $1,010,000 | 10,356 |
| Provision for loan and lease losses | $21,000 | 7,711 |
| Total noninterest income | $384,000 | 6,298 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $352,000 | 3,813 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 10,653 |
| Total noninterest expense | $1,171,000 | 8,722 |
| Salaries and employee benefits | $591,000 | 8,665 |
| Premises and equipment expense | $157,000 | 8,368 |
| Additional noninterest expense | $423,000 | 8,597 |
| Pre-tax net operating income | $202,000 | 10,881 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $51,000 | 10,446 |
| Income before extraordinary items | $151,000 | 10,807 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $151,000 | 10,812 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,702 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $151,000 | 10,861 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,483,000 | 11,280 |
| Total interest expense | $532,000 | 11,522 |
| Net interest income | $951,000 | 10,950 |
| Provision for loan and lease losses | $24,000 | 8,778 |
| Total noninterest income | $388,000 | 6,621 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $345,000 | 3,933 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $43,000 | 10,513 |
| Total noninterest expense | $1,204,000 | 8,878 |
| Salaries and employee benefits | $543,000 | 9,287 |
| Premises and equipment expense | $168,000 | 8,425 |
| Additional noninterest expense | $493,000 | 8,289 |
| Pre-tax net operating income | $111,000 | 11,784 |
| Securities gains (losses) | $20,000 | 4,664 |
| Applicable income taxes | $49,000 | 10,966 |
| Income before extraordinary items | $82,000 | 11,990 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $82,000 | 12,020 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 7,654 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $69,200 | 11,937 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,525,000 | 11,902 |
| Total interest expense | $651,000 | 12,063 |
| Net interest income | $874,000 | 11,615 |
| Provision for loan and lease losses | $34,000 | 9,820 |
| Total noninterest income | $363,000 | 6,936 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $316,000 | 4,266 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $47,000 | 10,600 |
| Total noninterest expense | $1,118,000 | 9,418 |
| Salaries and employee benefits | $527,000 | 9,516 |
| Premises and equipment expense | $171,000 | 8,542 |
| Additional noninterest expense | $420,000 | 9,333 |
| Pre-tax net operating income | $87,000 | 12,144 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $30,000 | 11,811 |
| Income before extraordinary items | $55,000 | 12,511 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $55,000 | 12,520 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 10,255 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $55,000 | 12,245 |
* 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.