Home > The Farmers and Traders Bank > Income and Expense
The Farmers and Traders Bank, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,223,000 | 6,285 |
| Total interest expense | $2,554,000 | 5,284 |
| Net interest income | $1,669,000 | 7,348 |
| Provision for loan and lease losses | $327,000 | 2,425 |
| Total noninterest income | $252,000 | 6,984 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $92,000 | 7,021 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $160,000 | 5,504 |
| Total noninterest expense | $1,611,000 | 6,415 |
| Salaries and employee benefits | $711,000 | 7,117 |
| Premises and equipment expense | $196,000 | 6,786 |
| Additional noninterest expense | $704,000 | 5,144 |
| Pre-tax net operating income | $-17,000 | 9,828 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $8,000 | 9,125 |
| Income before extraordinary items | $-25,000 | 9,877 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-25,000 | 9,875 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $450,000 | 1,377 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-25,000 | 9,836 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,929,000 | 9,097 |
| Total interest expense | $1,124,000 | 8,337 |
| Net interest income | $805,000 | 9,659 |
| Provision for loan and lease losses | $312,000 | 2,513 |
| Total noninterest income | $79,000 | 9,779 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $37,000 | 8,760 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $42,000 | 8,774 |
| Total noninterest expense | $658,000 | 9,528 |
| Salaries and employee benefits | $286,000 | 10,053 |
| Premises and equipment expense | $73,000 | 9,616 |
| Additional noninterest expense | $299,000 | 8,326 |
| Pre-tax net operating income | $-86,000 | 10,475 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $-30,000 | 10,579 |
| Income before extraordinary items | $-56,000 | 10,474 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-56,000 | 10,476 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $290,000 | 2,008 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-56,000 | 10,437 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,476,000 | 6,428 |
| Total interest expense | $2,409,000 | 5,663 |
| Net interest income | $2,067,000 | 7,011 |
| Provision for loan and lease losses | $58,000 | 6,349 |
| Total noninterest income | $93,000 | 10,021 |
| 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 | $16,000 | 10,642 |
| Total noninterest expense | $1,273,000 | 7,746 |
| Salaries and employee benefits | $717,000 | 7,415 |
| Premises and equipment expense | $180,000 | 7,427 |
| Additional noninterest expense | $376,000 | 8,093 |
| Pre-tax net operating income | $829,000 | 6,378 |
| Securities gains (losses) | $21,000 | 1,959 |
| Applicable income taxes | $273,000 | 6,139 |
| Income before extraordinary items | $577,000 | 6,413 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $577,000 | 6,415 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 5,641 |
| Cash dividends | $450,000 | 3,623 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $562,720 | 6,421 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,081,000 | 6,898 |
| Total interest expense | $2,145,000 | 6,179 |
| Net interest income | $1,936,000 | 7,447 |
| Provision for loan and lease losses | $21,000 | 7,611 |
| Total noninterest income | $170,000 | 8,962 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $89,000 | 8,057 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $81,000 | 7,917 |
| Total noninterest expense | $1,260,000 | 7,991 |
| Salaries and employee benefits | $691,000 | 7,770 |
| Premises and equipment expense | $166,000 | 7,897 |
| Additional noninterest expense | $403,000 | 8,161 |
| Pre-tax net operating income | $825,000 | 6,739 |
| Securities gains (losses) | $21,000 | 1,877 |
| Applicable income taxes | $256,000 | 6,556 |
| Income before extraordinary items | $590,000 | 6,668 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $590,000 | 6,666 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 10,875 |
| Cash dividends | $420,000 | 3,731 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $575,300 | 6,739 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,407,000 | 7,475 |
| Total interest expense | $1,652,000 | 6,466 |
| Net interest income | $1,755,000 | 8,165 |
| Provision for loan and lease losses | $50,000 | 6,087 |
| Total noninterest income | $140,000 | 9,910 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $93,000 | 8,278 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $47,000 | 9,769 |
| Total noninterest expense | $1,189,000 | 8,644 |
| Salaries and employee benefits | $617,000 | 8,506 |
| Premises and equipment expense | $185,000 | 7,754 |
| Additional noninterest expense | $387,000 | 8,949 |
| Pre-tax net operating income | $656,000 | 7,669 |
| Securities gains (losses) | $-1,000 | 8,790 |
| Applicable income taxes | $205,000 | 7,263 |
| Income before extraordinary items | $450,000 | 7,713 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $450,000 | 7,725 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,562 |
| Cash dividends | $320,000 | 4,289 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $450,690 | 7,753 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,337,000 | 7,774 |
| Total interest expense | $1,740,000 | 6,513 |
| Net interest income | $1,597,000 | 8,807 |
| Provision for loan and lease losses | $90,000 | 6,008 |
| Total noninterest income | $154,000 | 10,123 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $107,000 | 8,183 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $47,000 | 10,262 |
| Total noninterest expense | $1,170,000 | 9,008 |
| Salaries and employee benefits | $589,000 | 8,895 |
| Premises and equipment expense | $211,000 | 7,471 |
| Additional noninterest expense | $370,000 | 9,605 |
| Pre-tax net operating income | $491,000 | 8,717 |
| Securities gains (losses) | $175,000 | 1,831 |
| Applicable income taxes | $203,000 | 7,553 |
| Income before extraordinary items | $463,000 | 7,862 |
| Extraordinary gains, net | $8,000 | 2,989 |
| Net income | $471,000 | 7,960 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 7,224 |
| Cash dividends | $320,000 | 4,213 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $340,500 | 8,772 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,742,000 | 7,847 |
| Total interest expense | $2,248,000 | 6,508 |
| Net interest income | $1,494,000 | 9,295 |
| Provision for loan and lease losses | $81,000 | 7,858 |
| Total noninterest income | $164,000 | 10,187 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $119,000 | 7,968 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $45,000 | 10,722 |
| Total noninterest expense | $1,132,000 | 9,356 |
| Salaries and employee benefits | $586,000 | 8,934 |
| Premises and equipment expense | $188,000 | 8,127 |
| Additional noninterest expense | $358,000 | 10,091 |
| Pre-tax net operating income | $445,000 | 8,845 |
| Securities gains (losses) | $81,000 | 3,352 |
| Applicable income taxes | $178,000 | 8,017 |
| Income before extraordinary items | $348,000 | 8,750 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $348,000 | 8,886 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 9,510 |
| Cash dividends | $280,000 | 4,201 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $294,540 | 9,007 |
* 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.