Owen County State Bank
Spencer, IN — Non-member Bank
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Net Income Analysis
( % relative to Total Revenue )
Income Statement | Owen County State Bank | All Insured Commercial Banks in Indiana |
Interest and Fees on Loans | 7,023 | 17,558 |
Income from Lease Financing Receivables | — | 63 |
3 | 140 | |
Estimated Tax Benefit from Tax-Exempt Loan Income | 1 | 73 |
Income on Loans and Leases (TE) | 7,024 | 17,832 |
Investment Interest Income (TE) | 614 | 2,939 |
Total Interest Income (TE) | 7,887 | 21,400 |
Total Interest Expense | 701 | 2,125 |
Net Interest Income (TE) | 7,186 | 19,222 |
Non-Interest Income | 1,648 | 5,497 |
Adjusted Operating Income (TE) | 8,834 | 24,709 |
Non-interest Expense | 6,285 | 15,248 |
Provision for Loan & Lease Losses | 300 | 481 |
Pretax Operating Income (TE) | 2,249 | 8,741 |
Pretax Net Operating Income (TE) | 2,258 | 8,865 |
Applicable Income Taxes | 758 | 2,204 |
Net Operating Income | 1,442 | 6,062 |
Net Income | 1,442 | 6,062 |
Cash Dividends Declared | 647 | 3,093 |
Retained Earnings | 795 | 2,557 |