Farmers State Bank, Spencer
Spencer, NE — Non-member Bank
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Net Income Analysis
( % relative to Total Revenue )
| Income Statement | Farmers State Bank, Spencer | All Insured Commercial Banks in Nebraska |
| Interest and Fees on Loans | 1,806 | 5,628 |
| Income from Lease Financing Receivables | — | 1 |
| — | 22 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | — | 11 |
| Income on Loans and Leases (TE) | 1,806 | 5,649 |
| Investment Interest Income (TE) | 14 | 825 |
| Total Interest Income (TE) | 1,834 | 6,660 |
| Total Interest Expense | 367 | 793 |
| Net Interest Income (TE) | 1,467 | 5,813 |
| Non-Interest Income | 112 | 986 |
| Adjusted Operating Income (TE) | 1,579 | 6,872 |
| Non-interest Expense | 1,093 | 4,155 |
| Provision for Loan & Lease Losses | 330 | 208 |
| Pretax Operating Income (TE) | 156 | 2,412 |
| Pretax Net Operating Income (TE) | 177 | 2,466 |
| Applicable Income Taxes | — | 297 |
| Net Operating Income | 177 | 1,910 |
| Net Income | 177 | 1,911 |
| Cash Dividends Declared | — | 887 |
| Retained Earnings | 177 | 1,015 |