St. Ansgar State Bank
Saint Ansgar, IA — State Member Bank
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Net Income Analysis
( % relative to Total Revenue )
| Income Statement | St. Ansgar State Bank | All Insured Commercial Banks in Iowa |
| Interest and Fees on Loans | 3,221 | 6,128 |
| Income from Lease Financing Receivables | 8 | 1 |
| 38 | 47 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | 20 | 23 |
| Income on Loans and Leases (TE) | 3,249 | 6,162 |
| Investment Interest Income (TE) | 477 | 1,177 |
| Total Interest Income (TE) | 3,790 | 7,538 |
| Total Interest Expense | 401 | 925 |
| Net Interest Income (TE) | 3,389 | 6,587 |
| Non-Interest Income | 151 | 1,176 |
| Adjusted Operating Income (TE) | 3,540 | 7,798 |
| Non-interest Expense | 2,158 | 4,586 |
| Provision for Loan & Lease Losses | 940 | 208 |
| Pretax Operating Income (TE) | 442 | 2,901 |
| Pretax Net Operating Income (TE) | 442 | 2,963 |
| Applicable Income Taxes | 18 | 312 |
| Net Operating Income | 368 | 2,310 |
| Net Income | 368 | 2,310 |
| Cash Dividends Declared | 400 | 1,248 |
| Retained Earnings | -32 | 1,005 |