The Farmers Savings Bank
Spencer, OH — Non-member Bank
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Net Income Analysis
( % relative to Total Revenue )
Income Statement | The Farmers Savings Bank | All Insured Commercial Banks in Ohio |
Interest and Fees on Loans | 4,204 | 11,386 |
Income from Lease Financing Receivables | — | 4 |
— | 64 | |
Estimated Tax Benefit from Tax-Exempt Loan Income | — | 32 |
Income on Loans and Leases (TE) | 4,204 | 11,434 |
Investment Interest Income (TE) | 6,565 | 1,894 |
Total Interest Income (TE) | 10,812 | 13,519 |
Total Interest Expense | 1,239 | 1,284 |
Net Interest Income (TE) | 9,573 | 12,235 |
Non-Interest Income | 512 | 3,344 |
Adjusted Operating Income (TE) | 10,085 | 15,563 |
Non-interest Expense | 3,998 | 10,269 |
Provision for Loan & Lease Losses | — | 364 |
Pretax Operating Income (TE) | 6,087 | 4,973 |
Pretax Net Operating Income (TE) | 6,350 | 5,081 |
Applicable Income Taxes | — | 1,163 |
Net Operating Income | 4,882 | 3,580 |
Net Income | 4,882 | 3,580 |
Cash Dividends Declared | 2,750 | 1,534 |
Retained Earnings | 2,132 | 1,881 |