First Guaranty Bank
Martin, KY — Non-member Bank
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Net Income Analysis
( % relative to Total Revenue )
| Income Statement | First Guaranty Bank | All Insured Commercial Banks in Kentucky |
| Interest and Fees on Loans | 1,382 | 8,828 |
| Income from Lease Financing Receivables | — | 2 |
| 13 | 44 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | 7 | 22 |
| Income on Loans and Leases (TE) | 1,389 | 8,864 |
| Investment Interest Income (TE) | 53 | 1,656 |
| Total Interest Income (TE) | 1,522 | 10,728 |
| Total Interest Expense | 120 | 1,106 |
| Net Interest Income (TE) | 1,402 | 9,572 |
| Non-Interest Income | 260 | 2,231 |
| Adjusted Operating Income (TE) | 1,662 | 12,006 |
| Non-interest Expense | 1,360 | 8,402 |
| Provision for Loan & Lease Losses | — | 243 |
| Pretax Operating Income (TE) | 302 | 3,259 |
| Pretax Net Operating Income (TE) | 302 | 3,369 |
| Applicable Income Taxes | — | 444 |
| Net Operating Income | 295 | 2,592 |
| Net Income | 295 | 2,592 |
| Cash Dividends Declared | 5,157 | 1,549 |
| Retained Earnings | -4,862 | 1,045 |