The Farmers & Merchants Bank
Berlin, WI — State Member Bank
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Net Income Analysis
( % relative to Total Revenue )
Income Statement | The Farmers & Merchants Bank | All Insured Commercial Banks in Wisconsin |
Interest and Fees on Loans | 12,008 | 8,778 |
Income from Lease Financing Receivables | — | 1 |
14 | 81 | |
Estimated Tax Benefit from Tax-Exempt Loan Income | 7 | 41 |
Income on Loans and Leases (TE) | 12,015 | 8,830 |
Investment Interest Income (TE) | 1,467 | 1,225 |
Total Interest Income (TE) | 13,533 | 10,297 |
Total Interest Expense | 1,712 | 1,031 |
Net Interest Income (TE) | 11,821 | 9,193 |
Non-Interest Income | 1,095 | 1,813 |
Adjusted Operating Income (TE) | 12,916 | 11,079 |
Non-interest Expense | 8,098 | 6,946 |
Provision for Loan & Lease Losses | 1,217 | 167 |
Pretax Operating Income (TE) | 3,601 | 3,889 |
Pretax Net Operating Income (TE) | 3,601 | 3,922 |
Applicable Income Taxes | 775 | 705 |
Net Operating Income | 2,381 | 3,014 |
Net Income | 2,381 | 3,013 |
Cash Dividends Declared | 1,381 | 1,435 |
Retained Earnings | 1,000 | 1,350 |