First Service Bank
Greenbrier, AR — Non-member Bank
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Net Income Analysis
( % relative to Total Revenue )
| Income Statement | First Service Bank | All Insured Commercial Banks in Arkansas |
| Interest and Fees on Loans | 11,477 | 11,107 |
| Income from Lease Financing Receivables | — | 1 |
| 19 | 29 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | 10 | 15 |
| Income on Loans and Leases (TE) | 11,487 | 11,129 |
| Investment Interest Income (TE) | 692 | 1,636 |
| Total Interest Income (TE) | 12,407 | 12,872 |
| Total Interest Expense | 1,091 | 1,430 |
| Net Interest Income (TE) | 11,316 | 11,443 |
| Non-Interest Income | 3,189 | 3,679 |
| Adjusted Operating Income (TE) | 14,505 | 16,091 |
| Non-interest Expense | 11,105 | 10,771 |
| Provision for Loan & Lease Losses | — | 635 |
| Pretax Operating Income (TE) | 3,400 | 4,580 |
| Pretax Net Operating Income (TE) | 3,400 | 4,646 |
| Applicable Income Taxes | — | 823 |
| Net Operating Income | 3,191 | 3,504 |
| Net Income | 3,191 | 3,504 |
| Cash Dividends Declared | 2,015 | 2,018 |
| Retained Earnings | 1,176 | 1,459 |