Shell Lake State Bank
Shell Lake, WI — Non-member Bank
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Net Income Analysis
( % relative to Total Revenue )
| Income Statement | Shell Lake State Bank | All Insured Commercial Banks in Wisconsin |
| Interest and Fees on Loans | 3,777 | 8,778 |
| Income from Lease Financing Receivables | 14 | 1 |
| 87 | 81 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | 45 | 41 |
| Income on Loans and Leases (TE) | 3,836 | 8,830 |
| Investment Interest Income (TE) | 3,336 | 1,225 |
| Total Interest Income (TE) | 7,226 | 10,297 |
| Total Interest Expense | 600 | 1,031 |
| Net Interest Income (TE) | 6,626 | 9,193 |
| Non-Interest Income | 739 | 1,813 |
| Adjusted Operating Income (TE) | 7,365 | 11,079 |
| Non-interest Expense | 4,002 | 6,946 |
| Provision for Loan & Lease Losses | 235 | 167 |
| Pretax Operating Income (TE) | 3,128 | 3,889 |
| Pretax Net Operating Income (TE) | 3,086 | 3,922 |
| Applicable Income Taxes | — | 705 |
| Net Operating Income | 2,274 | 3,014 |
| Net Income | 2,274 | 3,013 |
| Cash Dividends Declared | 1,381 | 1,435 |
| Retained Earnings | 893 | 1,350 |