Home > The Farmers and Merchants Bank > Income and Expense
The Farmers and Merchants Bank, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,964,000 | 8,043 |
| Total interest expense | $1,227,000 | 8,304 |
| Net interest income | $1,737,000 | 7,692 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $107,000 | 9,768 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $77,000 | 8,081 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 9,839 |
| Total noninterest expense | $949,000 | 8,881 |
| Salaries and employee benefits | $556,000 | 8,439 |
| Premises and equipment expense | $115,000 | 8,909 |
| Additional noninterest expense | $278,000 | 9,102 |
| Pre-tax net operating income | $895,000 | 6,102 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $305,000 | 5,774 |
| Income before extraordinary items | $590,000 | 6,331 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $590,000 | 6,334 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 9,914 |
| Cash dividends | $1,365,000 | 1,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $590,000 | 6,265 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,890,000 | 8,376 |
| Total interest expense | $1,093,000 | 8,922 |
| Net interest income | $1,797,000 | 7,778 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $85,000 | 10,621 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $54,000 | 9,123 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $31,000 | 10,206 |
| Total noninterest expense | $1,034,000 | 8,812 |
| Salaries and employee benefits | $601,000 | 8,348 |
| Premises and equipment expense | $112,000 | 9,254 |
| Additional noninterest expense | $321,000 | 9,019 |
| Pre-tax net operating income | $848,000 | 6,654 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $320,000 | 5,779 |
| Income before extraordinary items | $528,000 | 7,040 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $528,000 | 7,039 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 8,178 |
| Cash dividends | $815,000 | 2,385 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $528,000 | 7,017 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,748,000 | 8,462 |
| Total interest expense | $1,022,000 | 8,599 |
| Net interest income | $1,726,000 | 8,237 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $69,000 | 11,514 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $46,000 | 9,835 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $23,000 | 11,244 |
| Total noninterest expense | $1,116,000 | 8,920 |
| Salaries and employee benefits | $646,000 | 8,298 |
| Premises and equipment expense | $116,000 | 9,514 |
| Additional noninterest expense | $354,000 | 9,298 |
| Pre-tax net operating income | $679,000 | 7,527 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $249,000 | 6,553 |
| Income before extraordinary items | $430,000 | 7,901 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $430,000 | 7,912 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,524 |
| Cash dividends | $505,000 | 3,148 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $430,000 | 7,947 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,057,000 | 8,234 |
| Total interest expense | $1,232,000 | 8,142 |
| Net interest income | $1,825,000 | 8,171 |
| Provision for loan and lease losses | $136,000 | 4,901 |
| Total noninterest income | $89,000 | 11,589 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $52,000 | 9,975 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $37,000 | 10,863 |
| Total noninterest expense | $1,154,000 | 9,088 |
| Salaries and employee benefits | $627,000 | 8,587 |
| Premises and equipment expense | $116,000 | 9,911 |
| Additional noninterest expense | $411,000 | 9,144 |
| Pre-tax net operating income | $624,000 | 7,784 |
| Securities gains (losses) | $3,000 | 6,505 |
| Applicable income taxes | $169,000 | 8,222 |
| Income before extraordinary items | $458,000 | 7,901 |
| Extraordinary gains, net | $-39,000 | 12,644 |
| Net income | $419,000 | 8,408 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $129,000 | 4,007 |
| Cash dividends | $370,000 | 3,860 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $455,810 | 7,671 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,346,000 | 8,403 |
| Total interest expense | $1,595,000 | 8,218 |
| Net interest income | $1,751,000 | 8,499 |
| Provision for loan and lease losses | $27,000 | 10,147 |
| Total noninterest income | $144,000 | 10,610 |
| 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 | $94,000 | 8,290 |
| Total noninterest expense | $1,164,000 | 9,221 |
| Salaries and employee benefits | $609,000 | 8,732 |
| Premises and equipment expense | $110,000 | 10,377 |
| Additional noninterest expense | $445,000 | 9,029 |
| Pre-tax net operating income | $704,000 | 7,073 |
| Securities gains (losses) | $-7,000 | 13,179 |
| Applicable income taxes | $275,000 | 6,284 |
| Income before extraordinary items | $422,000 | 7,996 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $422,000 | 8,125 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $180,000 | 4,443 |
| Cash dividends | $360,000 | 3,572 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $426,480 | 7,598 |
* 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.