Home > FMB-State Savings Bank > Income and Expense
FMB-State Savings Bank, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $10,961,000 | 2,996 |
| Total interest expense | $4,881,000 | 3,069 |
| Net interest income | $6,080,000 | 2,922 |
| Provision for loan and lease losses | $500,000 | 1,732 |
| Total noninterest income | $1,322,000 | 2,511 |
| Gross Fiduciary activities income | $63,000 | 1,189 |
| Service charges on deposit accounts | $748,000 | 1,810 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $511,000 | 2,873 |
| Total noninterest expense | $4,045,000 | 3,315 |
| Salaries and employee benefits | $2,156,000 | 3,095 |
| Premises and equipment expense | $550,000 | 3,486 |
| Additional noninterest expense | $1,339,000 | 3,437 |
| Pre-tax net operating income | $2,857,000 | 2,473 |
| Securities gains (losses) | $-1,000 | 9,274 |
| Applicable income taxes | $768,000 | 2,954 |
| Income before extraordinary items | $2,088,000 | 2,361 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,088,000 | 2,362 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $320,000 | 1,980 |
| Cash dividends | $1,500,000 | 1,563 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,088,730 | 2,309 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $10,228,000 | 3,223 |
| Total interest expense | $4,598,000 | 3,257 |
| Net interest income | $5,630,000 | 3,158 |
| Provision for loan and lease losses | $189,000 | 3,142 |
| Total noninterest income | $1,037,000 | 3,019 |
| Gross Fiduciary activities income | $51,000 | 1,282 |
| Service charges on deposit accounts | $684,000 | 1,973 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $302,000 | 3,980 |
| Total noninterest expense | $3,967,000 | 3,346 |
| Salaries and employee benefits | $2,079,000 | 3,191 |
| Premises and equipment expense | $466,000 | 3,985 |
| Additional noninterest expense | $1,422,000 | 3,226 |
| Pre-tax net operating income | $2,511,000 | 2,835 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $650,000 | 3,448 |
| Income before extraordinary items | $1,861,000 | 2,663 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,861,000 | 2,662 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $155,000 | 2,958 |
| Cash dividends | $1,500,000 | 1,498 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,861,000 | 2,633 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,583,000 | 3,492 |
| Total interest expense | $3,375,000 | 3,558 |
| Net interest income | $5,208,000 | 3,436 |
| Provision for loan and lease losses | $220,000 | 2,852 |
| Total noninterest income | $949,000 | 3,229 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $672,000 | 2,011 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $277,000 | 4,324 |
| Total noninterest expense | $3,757,000 | 3,615 |
| Salaries and employee benefits | $1,965,000 | 3,342 |
| Premises and equipment expense | $431,000 | 4,316 |
| Additional noninterest expense | $1,361,000 | 3,621 |
| Pre-tax net operating income | $2,180,000 | 3,205 |
| Securities gains (losses) | $-39,000 | 10,852 |
| Applicable income taxes | $489,000 | 4,125 |
| Income before extraordinary items | $1,652,000 | 2,918 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,652,000 | 2,925 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $164,000 | 2,833 |
| Cash dividends | $800,000 | 2,270 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,682,030 | 2,900 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,919,000 | 3,854 |
| Total interest expense | $3,279,000 | 3,806 |
| Net interest income | $4,640,000 | 3,819 |
| Provision for loan and lease losses | $186,000 | 4,080 |
| Total noninterest income | $1,004,000 | 3,328 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $603,000 | 2,290 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $401,000 | 3,745 |
| Total noninterest expense | $3,588,000 | 3,826 |
| Salaries and employee benefits | $1,869,000 | 3,490 |
| Premises and equipment expense | $379,000 | 4,931 |
| Additional noninterest expense | $1,340,000 | 3,840 |
| Pre-tax net operating income | $1,870,000 | 3,544 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $416,000 | 4,865 |
| Income before extraordinary items | $1,454,000 | 3,333 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,454,000 | 3,435 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 5,461 |
| Cash dividends | $350,000 | 3,982 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,454,000 | 3,153 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $8,223,000 | 4,200 |
| Total interest expense | $3,724,000 | 4,326 |
| Net interest income | $4,499,000 | 4,004 |
| Provision for loan and lease losses | $175,000 | 5,648 |
| Total noninterest income | $700,000 | 4,411 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $492,000 | 2,826 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $208,000 | 5,533 |
| Total noninterest expense | $3,436,000 | 3,991 |
| Salaries and employee benefits | $1,813,000 | 3,532 |
| Premises and equipment expense | $355,000 | 5,314 |
| Additional noninterest expense | $1,268,000 | 4,130 |
| Pre-tax net operating income | $1,588,000 | 3,840 |
| Securities gains (losses) | $4,000 | 7,235 |
| Applicable income taxes | $339,000 | 5,482 |
| Income before extraordinary items | $1,253,000 | 3,661 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,253,000 | 3,704 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 5,695 |
| Cash dividends | $1,100,000 | 1,422 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,249,840 | 3,399 |
* 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.