Home > The Martin County National Bank of Fairmont > Income and Expense
The Martin County National Bank of Fairmont, Income and Expense
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,898,000 | 3,541 |
| Total interest expense | $1,901,000 | 3,409 |
| Net interest income | $3,997,000 | 3,530 |
| Provision for loan and lease losses | $60,000 | 5,499 |
| Total noninterest income | $533,000 | 4,560 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $325,000 | 3,479 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $208,000 | 4,724 |
| Total noninterest expense | $2,698,000 | 4,002 |
| Salaries and employee benefits | $1,551,000 | 3,803 |
| Premises and equipment expense | $306,000 | 4,647 |
| Additional noninterest expense | $841,000 | 3,928 |
| Pre-tax net operating income | $1,772,000 | 3,105 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $667,000 | 2,467 |
| Income before extraordinary items | $1,105,000 | 3,724 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,105,000 | 3,724 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $145,000 | 2,652 |
| Cash dividends | $560,000 | 2,509 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,105,000 | 3,551 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,908,000 | 3,577 |
| Total interest expense | $1,310,000 | 3,424 |
| Net interest income | $2,598,000 | 3,593 |
| Provision for loan and lease losses | $60,000 | 4,687 |
| Total noninterest income | $362,000 | 4,493 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $207,000 | 3,535 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $155,000 | 4,517 |
| Total noninterest expense | $1,739,000 | 4,114 |
| Salaries and employee benefits | $1,030,000 | 3,816 |
| Premises and equipment expense | $171,000 | 5,218 |
| Additional noninterest expense | $538,000 | 4,021 |
| Pre-tax net operating income | $1,161,000 | 3,159 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $391,000 | 2,732 |
| Income before extraordinary items | $770,000 | 3,614 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $770,000 | 3,614 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 4,430 |
| Cash dividends | $390,000 | 2,507 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $770,000 | 3,417 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,968,000 | 3,575 |
| Total interest expense | $671,000 | 3,430 |
| Net interest income | $1,297,000 | 3,591 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $163,000 | 4,677 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $99,000 | 3,577 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $64,000 | 4,791 |
| Total noninterest expense | $827,000 | 4,260 |
| Salaries and employee benefits | $517,000 | 3,799 |
| Premises and equipment expense | $94,000 | 4,897 |
| Additional noninterest expense | $216,000 | 4,699 |
| Pre-tax net operating income | $633,000 | 2,964 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $215,000 | 2,571 |
| Income before extraordinary items | $418,000 | 3,356 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $418,000 | 3,353 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 4,268 |
| Cash dividends | $220,000 | 2,102 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $418,000 | 3,188 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,618,000 | 3,425 |
| Total interest expense | $3,169,000 | 3,388 |
| Net interest income | $5,449,000 | 3,399 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $569,000 | 4,868 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $374,000 | 3,695 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $195,000 | 5,085 |
| Total noninterest expense | $3,364,000 | 4,089 |
| Salaries and employee benefits | $2,102,000 | 3,584 |
| Premises and equipment expense | $340,000 | 5,183 |
| Additional noninterest expense | $922,000 | 4,456 |
| Pre-tax net operating income | $2,654,000 | 2,764 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $918,000 | 2,357 |
| Income before extraordinary items | $1,736,000 | 3,119 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,736,000 | 3,118 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $141,000 | 3,616 |
| Cash dividends | $1,440,000 | 1,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,736,000 | 3,013 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $10,013,000 | 3,309 |
| Total interest expense | $4,868,000 | 3,221 |
| Net interest income | $5,145,000 | 3,362 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $423,000 | 5,532 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $334,000 | 3,893 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $89,000 | 6,670 |
| Total noninterest expense | $3,129,000 | 4,195 |
| Salaries and employee benefits | $1,817,000 | 3,887 |
| Premises and equipment expense | $348,000 | 5,049 |
| Additional noninterest expense | $964,000 | 4,190 |
| Pre-tax net operating income | $2,439,000 | 2,716 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $872,000 | 2,290 |
| Income before extraordinary items | $1,567,000 | 3,121 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,567,000 | 3,125 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $152,000 | 3,350 |
| Cash dividends | $1,000,000 | 2,212 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,567,000 | 3,028 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $10,025,000 | 3,381 |
| Total interest expense | $5,157,000 | 3,222 |
| Net interest income | $4,868,000 | 3,561 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $548,000 | 4,648 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $334,000 | 3,732 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $214,000 | 4,646 |
| Total noninterest expense | $3,016,000 | 4,213 |
| Salaries and employee benefits | $1,759,000 | 3,847 |
| Premises and equipment expense | $300,000 | 5,422 |
| Additional noninterest expense | $957,000 | 4,123 |
| Pre-tax net operating income | $2,400,000 | 2,854 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $828,000 | 2,450 |
| Income before extraordinary items | $1,572,000 | 3,136 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,572,000 | 3,134 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-221,000 | 9,831 |
| Cash dividends | $560,000 | 3,345 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,572,000 | 3,131 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $546,000 | 9,942 |
| Total interest expense | $279,000 | 9,831 |
| Net interest income | $267,000 | 10,002 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $33,000 | 9,820 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $20,000 | 8,498 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $13,000 | 9,578 |
| Total noninterest expense | $123,000 | 10,191 |
| Salaries and employee benefits | $81,000 | 10,163 |
| Premises and equipment expense | $12,000 | 10,138 |
| Additional noninterest expense | $30,000 | 10,196 |
| Pre-tax net operating income | $177,000 | 8,686 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $49,000 | 7,647 |
| Income before extraordinary items | $128,000 | 8,794 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $128,000 | 8,791 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 9,445 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $128,000 | 8,757 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $9,550,000 | 3,367 |
| Total interest expense | $4,797,000 | 3,119 |
| Net interest income | $4,753,000 | 3,568 |
| Provision for loan and lease losses | $298,000 | 2,671 |
| Total noninterest income | $440,000 | 5,325 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $313,000 | 3,816 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $127,000 | 6,070 |
| Total noninterest expense | $2,501,000 | 4,779 |
| Salaries and employee benefits | $1,580,000 | 4,083 |
| Premises and equipment expense | $331,000 | 5,072 |
| Additional noninterest expense | $590,000 | 5,817 |
| Pre-tax net operating income | $2,394,000 | 2,891 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $829,000 | 2,663 |
| Income before extraordinary items | $1,565,000 | 3,147 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,565,000 | 3,148 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 3,550 |
| Cash dividends | $700,000 | 2,837 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,565,000 | 3,056 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,219,000 | 3,504 |
| Total interest expense | $4,595,000 | 3,227 |
| Net interest income | $4,624,000 | 3,742 |
| Provision for loan and lease losses | $195,000 | 3,507 |
| Total noninterest income | $968,000 | 3,110 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $327,000 | 3,807 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $641,000 | 2,366 |
| Total noninterest expense | $2,325,000 | 5,060 |
| Salaries and employee benefits | $1,415,000 | 4,464 |
| Premises and equipment expense | $313,000 | 5,314 |
| Additional noninterest expense | $597,000 | 5,834 |
| Pre-tax net operating income | $3,072,000 | 2,439 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,061,000 | 2,319 |
| Income before extraordinary items | $2,011,000 | 2,574 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,011,000 | 2,573 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,735 |
| Cash dividends | $350,000 | 4,223 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,011,000 | 2,525 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,233,000 | 3,924 |
| Total interest expense | $3,983,000 | 3,724 |
| Net interest income | $4,250,000 | 4,087 |
| Provision for loan and lease losses | $105,000 | 4,971 |
| Total noninterest income | $425,000 | 5,751 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $305,000 | 4,174 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $120,000 | 6,594 |
| Total noninterest expense | $2,243,000 | 5,453 |
| Salaries and employee benefits | $1,436,000 | 4,489 |
| Premises and equipment expense | $301,000 | 5,587 |
| Additional noninterest expense | $506,000 | 7,006 |
| Pre-tax net operating income | $2,327,000 | 3,002 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $814,000 | 2,802 |
| Income before extraordinary items | $1,513,000 | 3,161 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,513,000 | 3,161 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 4,641 |
| Cash dividends | $300,000 | 4,471 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,513,000 | 3,124 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,786,000 | 4,114 |
| Total interest expense | $3,793,000 | 3,860 |
| Net interest income | $3,993,000 | 4,320 |
| Provision for loan and lease losses | $4,000 | 8,753 |
| Total noninterest income | $378,000 | 6,192 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $307,000 | 4,212 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $71,000 | 8,310 |
| Total noninterest expense | $2,367,000 | 5,233 |
| Salaries and employee benefits | $1,430,000 | 4,465 |
| Premises and equipment expense | $308,000 | 5,516 |
| Additional noninterest expense | $629,000 | 6,338 |
| Pre-tax net operating income | $2,000,000 | 3,497 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $695,000 | 3,257 |
| Income before extraordinary items | $1,305,000 | 3,669 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,305,000 | 3,666 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $199,000 | 2,504 |
| Cash dividends | $300,000 | 4,483 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,305,000 | 3,646 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,427,000 | 4,565 |
| Total interest expense | $2,665,000 | 4,383 |
| Net interest income | $3,762,000 | 4,626 |
| Provision for loan and lease losses | $10,000 | 8,460 |
| Total noninterest income | $357,000 | 6,584 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $273,000 | 4,714 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $84,000 | 8,071 |
| Total noninterest expense | $2,317,000 | 5,509 |
| Salaries and employee benefits | $1,379,000 | 4,633 |
| Premises and equipment expense | $299,000 | 5,731 |
| Additional noninterest expense | $639,000 | 6,744 |
| Pre-tax net operating income | $1,792,000 | 3,762 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $606,000 | 3,494 |
| Income before extraordinary items | $1,186,000 | 3,903 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,186,000 | 3,907 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,352 |
| Cash dividends | $200,000 | 5,405 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,186,000 | 3,935 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,375,000 | 4,697 |
| Total interest expense | $2,602,000 | 4,646 |
| Net interest income | $3,773,000 | 4,647 |
| Provision for loan and lease losses | $208,000 | 3,834 |
| Total noninterest income | $352,000 | 6,990 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $290,000 | 4,551 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $62,000 | 9,431 |
| Total noninterest expense | $2,265,000 | 5,733 |
| Salaries and employee benefits | $1,325,000 | 4,795 |
| Premises and equipment expense | $302,000 | 5,819 |
| Additional noninterest expense | $638,000 | 7,030 |
| Pre-tax net operating income | $1,652,000 | 3,964 |
| Securities gains (losses) | $1,000 | 7,052 |
| Applicable income taxes | $537,000 | 3,934 |
| Income before extraordinary items | $1,116,000 | 4,272 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,116,000 | 4,395 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 6,716 |
| Cash dividends | $200,000 | 5,372 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,115,320 | 4,057 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,979,000 | 4,833 |
| Total interest expense | $3,339,000 | 4,723 |
| Net interest income | $3,640,000 | 4,837 |
| Provision for loan and lease losses | $175,000 | 5,648 |
| Total noninterest income | $336,000 | 7,273 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $285,000 | 4,633 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $51,000 | 10,352 |
| Total noninterest expense | $2,148,000 | 6,037 |
| Salaries and employee benefits | $1,280,000 | 4,891 |
| Premises and equipment expense | $249,000 | 6,794 |
| Additional noninterest expense | $619,000 | 7,339 |
| Pre-tax net operating income | $1,653,000 | 3,712 |
| Securities gains (losses) | $-1,000 | 12,730 |
| Applicable income taxes | $541,000 | 3,736 |
| Income before extraordinary items | $1,111,000 | 4,089 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,111,000 | 4,135 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $100,000 | 6,542 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,111,670 | 3,789 |
* 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.