Home > The Farmers and Merchants State Bank, Effingham, Kansas > Income and Expense
The Farmers and Merchants State Bank, Effingham, Kansas, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,632,000 | 9,123 |
| Total interest expense | $771,000 | 9,009 |
| Net interest income | $861,000 | 9,107 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $109,000 | 8,860 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $72,000 | 7,483 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $37,000 | 8,655 |
| Total noninterest expense | $504,000 | 9,770 |
| Salaries and employee benefits | $331,000 | 9,415 |
| Premises and equipment expense | $35,000 | 10,109 |
| Additional noninterest expense | $138,000 | 9,777 |
| Pre-tax net operating income | $466,000 | 7,552 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $161,000 | 6,698 |
| Income before extraordinary items | $305,000 | 7,844 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $305,000 | 7,843 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 9,354 |
| Cash dividends | $240,000 | 5,025 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $305,000 | 7,756 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $797,000 | 10,485 |
| Total interest expense | $339,000 | 10,451 |
| Net interest income | $458,000 | 10,467 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $49,000 | 10,304 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $35,000 | 8,810 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $14,000 | 10,198 |
| Total noninterest expense | $267,000 | 10,757 |
| Salaries and employee benefits | $174,000 | 10,641 |
| Premises and equipment expense | $20,000 | 10,765 |
| Additional noninterest expense | $73,000 | 10,734 |
| Pre-tax net operating income | $240,000 | 9,353 |
| Securities gains (losses) | $-13,000 | 10,166 |
| Applicable income taxes | $56,000 | 9,157 |
| Income before extraordinary items | $171,000 | 9,395 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $171,000 | 9,397 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,963 |
| Cash dividends | $4,642,000 | 670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $180,750 | 9,290 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,859,000 | 9,573 |
| Total interest expense | $758,000 | 9,774 |
| Net interest income | $1,101,000 | 9,280 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $129,000 | 9,376 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $84,000 | 7,883 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $45,000 | 9,116 |
| Total noninterest expense | $563,000 | 10,344 |
| Salaries and employee benefits | $370,000 | 9,812 |
| Premises and equipment expense | $46,000 | 10,757 |
| Additional noninterest expense | $147,000 | 10,584 |
| Pre-tax net operating income | $667,000 | 7,082 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $213,000 | 6,931 |
| Income before extraordinary items | $454,000 | 7,201 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $454,000 | 7,204 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 10,270 |
| Cash dividends | $60,000 | 7,342 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $454,000 | 7,156 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,829,000 | 9,998 |
| Total interest expense | $769,000 | 10,056 |
| Net interest income | $1,060,000 | 9,751 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $154,000 | 9,241 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $88,000 | 8,082 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $66,000 | 8,506 |
| Total noninterest expense | $586,000 | 10,629 |
| Salaries and employee benefits | $339,000 | 10,404 |
| Premises and equipment expense | $37,000 | 11,447 |
| Additional noninterest expense | $210,000 | 10,303 |
| Pre-tax net operating income | $628,000 | 7,716 |
| Securities gains (losses) | $-2,000 | 9,253 |
| Applicable income taxes | $187,000 | 7,653 |
| Income before extraordinary items | $439,000 | 7,733 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $439,000 | 7,732 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 10,436 |
| Cash dividends | $40,000 | 7,961 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $440,400 | 7,693 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,647,000 | 10,444 |
| Total interest expense | $641,000 | 10,402 |
| Net interest income | $1,006,000 | 10,366 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $138,000 | 9,955 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $97,000 | 8,172 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $41,000 | 10,081 |
| Total noninterest expense | $572,000 | 11,258 |
| Salaries and employee benefits | $315,000 | 11,060 |
| Premises and equipment expense | $41,000 | 11,957 |
| Additional noninterest expense | $216,000 | 10,940 |
| Pre-tax net operating income | $572,000 | 8,172 |
| Securities gains (losses) | $-65,000 | 11,238 |
| Applicable income taxes | $146,000 | 8,391 |
| Income before extraordinary items | $361,000 | 8,541 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $361,000 | 8,546 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,826 |
| Cash dividends | $30,000 | 8,349 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $407,150 | 8,184 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,648,000 | 10,907 |
| Total interest expense | $651,000 | 10,868 |
| Net interest income | $997,000 | 10,788 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $163,000 | 9,957 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $87,000 | 8,784 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $76,000 | 8,800 |
| Total noninterest expense | $583,000 | 11,732 |
| Salaries and employee benefits | $309,000 | 11,555 |
| Premises and equipment expense | $53,000 | 12,113 |
| Additional noninterest expense | $221,000 | 11,452 |
| Pre-tax net operating income | $577,000 | 8,107 |
| Securities gains (losses) | $-1,000 | 12,247 |
| Applicable income taxes | $167,000 | 8,276 |
| Income before extraordinary items | $409,000 | 8,338 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $409,000 | 8,501 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-104,000 | 12,945 |
| Cash dividends | $30,000 | 8,419 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $409,710 | 8,058 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,882,000 | 11,130 |
| Total interest expense | $872,000 | 10,990 |
| Net interest income | $1,010,000 | 11,067 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $104,000 | 11,616 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $62,000 | 9,841 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $42,000 | 10,916 |
| Total noninterest expense | $532,000 | 12,438 |
| Salaries and employee benefits | $293,000 | 12,091 |
| Premises and equipment expense | $26,000 | 13,525 |
| Additional noninterest expense | $213,000 | 12,053 |
| Pre-tax net operating income | $582,000 | 7,857 |
| Securities gains (losses) | $-17,000 | 13,435 |
| Applicable income taxes | $158,000 | 8,431 |
| Income before extraordinary items | $407,000 | 8,143 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $407,000 | 8,271 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 7,424 |
| Cash dividends | $30,000 | 8,198 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $419,240 | 7,672 |
* 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.