Net Income Analysis ( % relative to Total Revenue )
Income Statement Farmers State Bank, S/B All Insured Commercial Banks in Missouri
Interest and Fees on Loans 2,506 8,346
Income from Lease Financing Receivables — 6
— 27
Estimated Tax Benefit from Tax-Exempt Loan Income — 13
Income on Loans and Leases (TE) 2,506 8,380
Investment Interest Income (TE) 210 1,007
Total Interest Income (TE) 2,760 9,598
Total Interest Expense 249 957
Net Interest Income (TE) 2,511 8,596
Non-Interest Income 198 1,957
Adjusted Operating Income (TE) 2,709 10,610
Non-interest Expense 2,389 6,886
Provision for Loan & Lease Losses — 275
Pretax Operating Income (TE) 320 3,421
Pretax Net Operating Income (TE) 320 3,495
Applicable Income Taxes 91 604
Net Operating Income 215 2,724
Net Income 215 2,724
Cash Dividends Declared — 1,137
Retained Earnings 215 1,380