Home > The Farmers and Merchants Bank > Income and Expense
The Farmers and Merchants Bank, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,648,000 | 3,875 |
| Total interest expense | $4,442,000 | 3,660 |
| Net interest income | $4,206,000 | 4,011 |
| Provision for loan and lease losses | $72,000 | 5,921 |
| Total noninterest income | $1,654,000 | 2,176 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $993,000 | 1,374 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $661,000 | 2,472 |
| Total noninterest expense | $3,691,000 | 3,549 |
| Salaries and employee benefits | $1,817,000 | 3,747 |
| Premises and equipment expense | $388,000 | 4,606 |
| Additional noninterest expense | $1,486,000 | 2,848 |
| Pre-tax net operating income | $2,097,000 | 3,206 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $642,000 | 2,979 |
| Income before extraordinary items | $1,455,000 | 3,337 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,455,000 | 3,336 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 4,069 |
| Cash dividends | $1,250,000 | 1,914 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,455,000 | 3,326 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,856,000 | 3,975 |
| Total interest expense | $3,918,000 | 3,645 |
| Net interest income | $3,938,000 | 4,240 |
| Provision for loan and lease losses | $63,000 | 6,078 |
| Total noninterest income | $1,694,000 | 2,106 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $927,000 | 1,401 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $767,000 | 2,217 |
| Total noninterest expense | $3,640,000 | 3,595 |
| Salaries and employee benefits | $1,675,000 | 3,975 |
| Premises and equipment expense | $374,000 | 4,747 |
| Additional noninterest expense | $1,591,000 | 2,725 |
| Pre-tax net operating income | $1,929,000 | 3,429 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $586,000 | 3,272 |
| Income before extraordinary items | $1,343,000 | 3,542 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,343,000 | 3,542 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,387 |
| Cash dividends | $1,025,000 | 2,205 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,343,000 | 3,503 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,954,000 | 3,956 |
| Total interest expense | $4,096,000 | 3,609 |
| Net interest income | $3,858,000 | 4,247 |
| Provision for loan and lease losses | $77,000 | 5,674 |
| Total noninterest income | $1,681,000 | 2,078 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $931,000 | 1,348 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $750,000 | 2,267 |
| Total noninterest expense | $3,524,000 | 3,588 |
| Salaries and employee benefits | $1,638,000 | 3,962 |
| Premises and equipment expense | $408,000 | 4,358 |
| Additional noninterest expense | $1,478,000 | 2,821 |
| Pre-tax net operating income | $1,938,000 | 3,421 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $602,000 | 3,397 |
| Income before extraordinary items | $1,336,000 | 3,590 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,336,000 | 3,590 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 5,328 |
| Cash dividends | $813,000 | 2,559 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,336,000 | 3,491 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,493,000 | 4,241 |
| Total interest expense | $3,790,000 | 3,876 |
| Net interest income | $3,703,000 | 4,527 |
| Provision for loan and lease losses | $319,000 | 2,475 |
| Total noninterest income | $1,277,000 | 2,490 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $834,000 | 1,562 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $443,000 | 3,078 |
| Total noninterest expense | $3,052,000 | 4,040 |
| Salaries and employee benefits | $1,429,000 | 4,429 |
| Premises and equipment expense | $377,000 | 4,644 |
| Additional noninterest expense | $1,246,000 | 3,244 |
| Pre-tax net operating income | $1,609,000 | 4,219 |
| Securities gains (losses) | $-3,000 | 9,416 |
| Applicable income taxes | $481,000 | 4,327 |
| Income before extraordinary items | $1,125,000 | 4,280 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,125,000 | 4,281 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $875,000 | 2,430 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,127,100 | 4,213 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,806,000 | 4,684 |
| Total interest expense | $3,408,000 | 4,290 |
| Net interest income | $3,398,000 | 4,951 |
| Provision for loan and lease losses | $48,000 | 6,700 |
| Total noninterest income | $1,254,000 | 2,601 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $764,000 | 1,759 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $490,000 | 2,966 |
| Total noninterest expense | $2,835,000 | 4,500 |
| Salaries and employee benefits | $1,462,000 | 4,413 |
| Premises and equipment expense | $304,000 | 5,535 |
| Additional noninterest expense | $1,069,000 | 4,172 |
| Pre-tax net operating income | $1,769,000 | 3,791 |
| Securities gains (losses) | $1,000 | 3,760 |
| Applicable income taxes | $573,000 | 3,721 |
| Income before extraordinary items | $1,197,000 | 3,881 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,197,000 | 3,882 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 4,441 |
| Cash dividends | $825,000 | 2,437 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,196,320 | 3,838 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,247,000 | 5,027 |
| Total interest expense | $3,248,000 | 4,429 |
| Net interest income | $2,999,000 | 5,497 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $1,030,000 | 3,034 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $710,000 | 1,906 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $320,000 | 3,857 |
| Total noninterest expense | $2,671,000 | 4,710 |
| Salaries and employee benefits | $1,355,000 | 4,696 |
| Premises and equipment expense | $299,000 | 5,646 |
| Additional noninterest expense | $1,017,000 | 4,290 |
| Pre-tax net operating income | $1,358,000 | 4,808 |
| Securities gains (losses) | $4,000 | 2,936 |
| Applicable income taxes | $457,000 | 4,482 |
| Income before extraordinary items | $905,000 | 4,968 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $905,000 | 4,967 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,500 |
| Cash dividends | $681,000 | 2,704 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $902,360 | 4,964 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,518,000 | 5,225 |
| Total interest expense | $2,553,000 | 4,560 |
| Net interest income | $2,965,000 | 5,656 |
| Provision for loan and lease losses | $-20,000 | 11,841 |
| Total noninterest income | $1,051,000 | 3,001 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $559,000 | 2,437 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $492,000 | 2,982 |
| Total noninterest expense | $2,511,000 | 5,140 |
| Salaries and employee benefits | $1,266,000 | 5,005 |
| Premises and equipment expense | $198,000 | 7,470 |
| Additional noninterest expense | $1,047,000 | 4,535 |
| Pre-tax net operating income | $1,525,000 | 4,359 |
| Securities gains (losses) | $3,000 | 2,889 |
| Applicable income taxes | $516,000 | 3,964 |
| Income before extraordinary items | $1,012,000 | 4,496 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,012,000 | 4,497 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-34,000 | 11,664 |
| Cash dividends | $4,155,000 | 634 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,010,020 | 4,549 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,166,000 | 5,613 |
| Total interest expense | $2,503,000 | 4,805 |
| Net interest income | $2,663,000 | 6,236 |
| Provision for loan and lease losses | $-10,000 | 12,495 |
| Total noninterest income | $1,020,000 | 3,286 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $504,000 | 2,776 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $516,000 | 3,203 |
| Total noninterest expense | $2,322,000 | 5,620 |
| Salaries and employee benefits | $1,130,000 | 5,509 |
| Premises and equipment expense | $131,000 | 9,437 |
| Additional noninterest expense | $1,061,000 | 4,681 |
| Pre-tax net operating income | $1,371,000 | 4,665 |
| Securities gains (losses) | $74,000 | 2,889 |
| Applicable income taxes | $644,000 | 3,371 |
| Income before extraordinary items | $801,000 | 5,566 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $801,000 | 5,700 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 7,819 |
| Cash dividends | $2,441,000 | 855 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $753,640 | 5,562 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,638,000 | 9,656 |
| Total interest expense | $1,366,000 | 8,975 |
| Net interest income | $1,272,000 | 10,056 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $416,000 | 6,396 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $198,000 | 6,035 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $218,000 | 5,385 |
| Total noninterest expense | $1,013,000 | 9,912 |
| Salaries and employee benefits | $478,000 | 10,004 |
| Premises and equipment expense | $64,000 | 12,099 |
| Additional noninterest expense | $471,000 | 8,741 |
| Pre-tax net operating income | $675,000 | 7,240 |
| Securities gains (losses) | $-14,000 | 13,390 |
| Applicable income taxes | $434,000 | 4,508 |
| Income before extraordinary items | $227,000 | 10,217 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $227,000 | 10,362 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 8,917 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $235,960 | 9,737 |
* 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.