Americana Community Bank
Sleepy Eye, MN — Non-member Bank
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Net Income Analysis
( % relative to Total Revenue )
| Income Statement | Americana Community Bank | All Insured Commercial Banks in Minnesota |
| Interest and Fees on Loans | 3,853 | 4,864 |
| Income from Lease Financing Receivables | — | 12 |
| — | 40 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | — | 20 |
| Income on Loans and Leases (TE) | 3,853 | 4,921 |
| Investment Interest Income (TE) | 481 | 592 |
| Total Interest Income (TE) | 4,515 | 5,709 |
| Total Interest Expense | 338 | 508 |
| Net Interest Income (TE) | 4,177 | 5,181 |
| Non-Interest Income | 554 | 905 |
| Adjusted Operating Income (TE) | 4,731 | 6,155 |
| Non-interest Expense | 4,578 | 4,018 |
| Provision for Loan & Lease Losses | — | 126 |
| Pretax Operating Income (TE) | 153 | 1,907 |
| Pretax Net Operating Income (TE) | 221 | 1,940 |
| Applicable Income Taxes | — | 97 |
| Net Operating Income | 221 | 1,682 |
| Net Income | 221 | 1,683 |
| Cash Dividends Declared | — | 1,029 |
| Retained Earnings | 221 | 636 |