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The Farmers State Bank, Income and Expense

2001-12-31 (YTD Data)Rank
Total interest income$1,750,0008,474
Total interest expense$993,0008,039
Net interest income$757,0008,757
Provision for loan and lease losses$2,028,000689
Total noninterest income$67,0008,951
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$45,0007,695
Trading account gains and fees$0177
Additional Noninterest Income$22,0008,652
Total noninterest expense$760,0008,546
Salaries and employee benefits$463,0008,343
Premises and equipment expense$56,0009,022
Additional noninterest expense$241,0008,298
Pre-tax net operating income$-1,964,0009,486
Securities gains (losses)$6,0003,836
Applicable income taxes$-98,0009,255
Income before extraordinary items$-1,860,0009,513
Extraordinary gains, net$0105
Net income$-1,860,0009,512
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,215,000811
Cash dividends$60,0006,054
Sale, conversion, retirement of capital stock, net$0922
Net operating income$-1,865,7009,492
2000-12-31 (YTD Data)Rank
Total interest income$2,178,0008,250
Total interest expense$1,021,0008,178
Net interest income$1,157,0008,168
Provision for loan and lease losses$235,0003,415
Total noninterest income$77,0008,928
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$48,0007,680
Trading account gains and feesNANA
Additional Noninterest Income$29,0008,576
Total noninterest expense$715,0008,781
Salaries and employee benefits$490,0008,301
Premises and equipment expense$71,0008,965
Additional noninterest expense$154,0009,204
Pre-tax net operating income$284,0007,971
Securities gains (losses)$01,956
Applicable income taxes$92,0006,616
Income before extraordinary items$192,0008,118
Extraordinary gains, net$038
Net income$192,0008,116
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$129,0003,136
Cash dividends$140,0005,600
Sale, conversion, retirement of capital stock, net$0969
Net operating income$192,0008,118
1999-12-31 (YTD Data)Rank
Total interest income$2,040,0008,448
Total interest expense$950,0008,313
Net interest income$1,090,0008,425
Provision for loan and lease losses$102,0005,170
Total noninterest income$70,0009,293
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$40,0008,070
Trading account gains and feesNANA
Additional Noninterest Income$30,0008,834
Total noninterest expense$726,0008,958
Salaries and employee benefits$505,0008,320
Premises and equipment expense$86,0008,905
Additional noninterest expense$135,0009,655
Pre-tax net operating income$332,0007,912
Securities gains (losses)$03,155
Applicable income taxes$117,0006,695
Income before extraordinary items$215,0008,185
Extraordinary gains, net$035
Net income$215,0008,183
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$74,0004,121
Cash dividends$150,0005,619
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$215,0008,157
1998-12-31 (YTD Data)Rank
Total interest income$1,994,0008,692
Total interest expense$934,0008,601
Net interest income$1,060,0008,659
Provision for loan and lease losses$95,0005,236
Total noninterest income$94,0009,115
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$39,0008,314
Trading account gains and feesNANA
Additional Noninterest Income$55,0007,990
Total noninterest expense$697,0009,115
Salaries and employee benefits$482,0008,476
Premises and equipment expense$67,0009,419
Additional noninterest expense$148,0009,677
Pre-tax net operating income$362,0008,081
Securities gains (losses)$04,449
Applicable income taxes$122,0007,223
Income before extraordinary items$240,0008,317
Extraordinary gains, net$032
Net income$240,0008,316
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$113,0003,412
Cash dividends$175,0005,577
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$240,0008,239
1997-12-31 (YTD Data)Rank
Total interest income$1,969,0009,044
Total interest expense$923,0008,896
Net interest income$1,046,0009,074
Provision for loan and lease losses$191,0003,545
Total noninterest income$73,0009,891
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$37,0008,760
Trading account gains and feesNANA
Additional Noninterest Income$36,0009,049
Total noninterest expense$712,0009,362
Salaries and employee benefits$505,0008,572
Premises and equipment expense$57,00010,024
Additional noninterest expense$150,0009,996
Pre-tax net operating income$216,0009,493
Securities gains (losses)$03,944
Applicable income taxes$36,0009,472
Income before extraordinary items$180,0009,335
Extraordinary gains, net$044
Net income$180,0009,337
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$220,0002,403
Cash dividends$125,0006,160
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$180,0009,292
1996-12-31 (YTD Data)Rank
Total interest income$2,061,0009,303
Total interest expense$913,0009,284
Net interest income$1,148,0009,159
Provision for loan and lease losses$332,0002,400
Total noninterest income$67,00010,545
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$40,0009,108
Trading account gains and feesNANA
Additional Noninterest Income$27,00010,012
Total noninterest expense$664,0009,934
Salaries and employee benefits$453,0009,225
Premises and equipment expense$63,00010,274
Additional noninterest expense$148,00010,565
Pre-tax net operating income$219,0009,672
Securities gains (losses)$7,0002,762
Applicable income taxes$43,0009,812
Income before extraordinary items$183,0009,466
Extraordinary gains, net$053
Net income$183,0009,468
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$248,0002,351
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$177,3309,460
1995-12-31 (YTD Data)Rank
Total interest income$1,960,0009,780
Total interest expense$861,0009,764
Net interest income$1,099,0009,629
Provision for loan and lease losses$64,0005,599
Total noninterest income$110,00010,066
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$35,0009,675
Trading account gains and feesNANA
Additional Noninterest Income$75,0008,156
Total noninterest expense$758,0009,959
Salaries and employee benefits$516,0008,969
Premises and equipment expense$60,00010,776
Additional noninterest expense$182,00010,657
Pre-tax net operating income$387,0009,154
Securities gains (losses)$03,831
Applicable income taxes$126,0008,697
Income before extraordinary items$261,0009,316
Extraordinary gains, net$065
Net income$261,0009,321
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$79,0004,240
Cash dividends$225,0005,195
Sale, conversion, retirement of capital stock, net$0809
Net operating income$261,0009,291
1994-12-31 (YTD Data)Rank
Total interest income$1,729,00010,307
Total interest expense$671,00010,251
Net interest income$1,058,00010,215
Provision for loan and lease losses$222,0002,841
Total noninterest income$77,00011,331
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$27,00010,401
Trading account gains and feesNANA
Additional Noninterest Income$50,0009,618
Total noninterest expense$709,00010,655
Salaries and employee benefits$467,0009,688
Premises and equipment expense$73,00010,875
Additional noninterest expense$169,00011,537
Pre-tax net operating income$204,00010,865
Securities gains (losses)$03,600
Applicable income taxes$17,00011,218
Income before extraordinary items$187,00010,430
Extraordinary gains, net$0249
Net income$187,00010,436
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$201,0002,490
Cash dividends$150,0006,052
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$187,00010,468
1993-12-31 (YTD Data)Rank
Total interest income$1,701,00010,808
Total interest expense$675,00010,734
Net interest income$1,026,00010,692
Provision for loan and lease losses$60,0006,949
Total noninterest income$142,00010,373
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$26,00010,867
Trading account gains and feesNANA
Additional Noninterest Income$116,0007,420
Total noninterest expense$687,00011,229
Salaries and employee benefits$421,00010,435
Premises and equipment expense$89,00010,821
Additional noninterest expense$177,00012,062
Pre-tax net operating income$421,0009,254
Securities gains (losses)$7,0005,826
Applicable income taxes$103,0009,654
Income before extraordinary items$325,0009,182
Extraordinary gains, net$03,149
Net income$325,0009,352
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$131,0003,976
Cash dividends$225,0005,134
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$319,6808,989
1992-12-31 (YTD Data)Rank
Total interest income$1,795,00011,317
Total interest expense$715,00011,734
Net interest income$1,080,00010,766
Provision for loan and lease losses$95,0007,436
Total noninterest income$34,00013,468
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$29,00011,097
Trading account gains and feesNANA
Additional Noninterest Income$5,00013,675
Total noninterest expense$576,00012,212
Salaries and employee benefits$365,00011,283
Premises and equipment expense$58,00012,372
Additional noninterest expense$153,00012,907
Pre-tax net operating income$443,0008,856
Securities gains (losses)$5,0007,049
Applicable income taxes$97,00010,000
Income before extraordinary items$351,0008,707
Extraordinary gains, net$01,422
Net income$351,0008,840
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-8,00012,698
Cash dividends$350,0003,631
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$347,1008,389

* 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.