Net Income Analysis ( % relative to Total Revenue )
Income Statement State Bank Of Downs All Insured Commercial Banks in Kansas
Interest and Fees on Loans 3,822 4,851
Income from Lease Financing Receivables 11 18
11 22
Estimated Tax Benefit from Tax-Exempt Loan Income 5 11
Income on Loans and Leases (TE) 3,838 4,908
Investment Interest Income (TE) 155 1,053
Total Interest Income (TE) 4,158 6,154
Total Interest Expense 536 615
Net Interest Income (TE) 3,622 5,498
Non-Interest Income 171 1,087
Adjusted Operating Income (TE) 3,793 6,741
Non-interest Expense 2,246 4,308
Provision for Loan & Lease Losses 525 167
Pretax Operating Income (TE) 1,022 2,119
Pretax Net Operating Income (TE) 1,022 2,180
Applicable Income Taxes 84 271
Net Operating Income 897 1,662
Net Income 897 1,663
Cash Dividends Declared 313 923
Retained Earnings 584 659