Citizens State Bank Of Hayfield
Hayfield, MN — Non-member Bank
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Net Income Analysis
( % relative to Total Revenue )
| Income Statement | Citizens State Bank Of Hayfield | All Insured Commercial Banks in Minnesota |
| Interest and Fees on Loans | 3,487 | 4,864 |
| Income from Lease Financing Receivables | — | 12 |
| 14 | 40 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | 7 | 20 |
| Income on Loans and Leases (TE) | 3,494 | 4,921 |
| Investment Interest Income (TE) | 124 | 592 |
| Total Interest Income (TE) | 3,729 | 5,709 |
| Total Interest Expense | 268 | 508 |
| Net Interest Income (TE) | 3,461 | 5,181 |
| Non-Interest Income | 220 | 905 |
| Adjusted Operating Income (TE) | 3,681 | 6,155 |
| Non-interest Expense | 2,994 | 4,018 |
| Provision for Loan & Lease Losses | 190 | 126 |
| Pretax Operating Income (TE) | 497 | 1,907 |
| Pretax Net Operating Income (TE) | 511 | 1,940 |
| Applicable Income Taxes | 1 | 97 |
| Net Operating Income | 500 | 1,682 |
| Net Income | 500 | 1,683 |
| Cash Dividends Declared | 315 | 1,029 |
| Retained Earnings | 185 | 636 |