First Trust And Savings Bank
Wheatland, IA — Non-member Bank
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Net Income Analysis
( % relative to Total Revenue )
| Income Statement | First Trust And Savings Bank | All Insured Commercial Banks in Iowa |
| Interest and Fees on Loans | 6,267 | 6,128 |
| Income from Lease Financing Receivables | — | 1 |
| — | 47 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | — | 23 |
| Income on Loans and Leases (TE) | 6,267 | 6,162 |
| Investment Interest Income (TE) | 300 | 1,177 |
| Total Interest Income (TE) | 6,587 | 7,538 |
| Total Interest Expense | 1,127 | 925 |
| Net Interest Income (TE) | 5,460 | 6,587 |
| Non-Interest Income | 520 | 1,176 |
| Adjusted Operating Income (TE) | 5,980 | 7,798 |
| Non-interest Expense | 3,447 | 4,586 |
| Provision for Loan & Lease Losses | 330 | 208 |
| Pretax Operating Income (TE) | 2,203 | 2,901 |
| Pretax Net Operating Income (TE) | 2,203 | 2,963 |
| Applicable Income Taxes | 100 | 312 |
| Net Operating Income | 2,005 | 2,310 |
| Net Income | 2,005 | 2,310 |
| Cash Dividends Declared | 1,180 | 1,248 |
| Retained Earnings | 825 | 1,005 |