Farmers State Bank Of Hamel
Hamel, MN — Non-member Bank
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Net Income Analysis
( % relative to Total Revenue )
| Income Statement | Farmers State Bank Of Hamel | All Insured Commercial Banks in Minnesota |
| Interest and Fees on Loans | 1,995 | 4,864 |
| Income from Lease Financing Receivables | — | 12 |
| 15 | 40 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | 8 | 20 |
| Income on Loans and Leases (TE) | 2,003 | 4,921 |
| Investment Interest Income (TE) | 1,201 | 592 |
| Total Interest Income (TE) | 3,441 | 5,709 |
| Total Interest Expense | 347 | 508 |
| Net Interest Income (TE) | 3,094 | 5,181 |
| Non-Interest Income | 308 | 905 |
| Adjusted Operating Income (TE) | 3,402 | 6,155 |
| Non-interest Expense | 2,528 | 4,018 |
| Provision for Loan & Lease Losses | -5 | 126 |
| Pretax Operating Income (TE) | 879 | 1,907 |
| Pretax Net Operating Income (TE) | 966 | 1,940 |
| Applicable Income Taxes | 1 | 97 |
| Net Operating Income | 939 | 1,682 |
| Net Income | 939 | 1,683 |
| Cash Dividends Declared | 400 | 1,029 |
| Retained Earnings | 539 | 636 |