Commercial State Bank
Elsie, NE — Domestic Branch of a Domestic Bank
Acquired Jan 2005
Net Income Analysis
( % relative to Total Revenue )
| Income Statement | Commercial State Bank | All Insured Commercial Banks in Nebraska |
| Interest and Fees on Loans | 759 | 3,089 |
| Income from Lease Financing Receivables | — | 180 |
| — | 54 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | — | 26 |
| Income on Loans and Leases (TE) | 759 | 3,110 |
| Investment Interest Income (TE) | 24 | 649 |
| Total Interest Income (TE) | 789 | 3,778 |
| Total Interest Expense | 185 | 1,148 |
| Net Interest Income (TE) | 604 | 2,670 |
| Non-Interest Income | 63 | 436 |
| Adjusted Operating Income (TE) | 667 | 3,097 |
| Non-interest Expense | 418 | 1,872 |
| Provision for Loan & Lease Losses | 22 | 605 |
| Pretax Operating Income (TE) | 227 | 1,241 |
| Pretax Net Operating Income (TE) | 227 | 1,244 |
| Applicable Income Taxes | 80 | 475 |
| Net Operating Income | 147 | 907 |
| Net Income | 147 | 907 |
| Cash Dividends Declared | 50 | 1,224 |
| Retained Earnings | 97 | 661 |