Net Income Analysis ( % relative to Total Revenue )
Income Statement The Farmers State Bank All Insured Commercial Banks in Oklahoma
Interest and Fees on Loans 2,320 5,491
Income from Lease Financing Receivables — 14
23 29
Estimated Tax Benefit from Tax-Exempt Loan Income 12 15
Income on Loans and Leases (TE) 2,332 5,543
Investment Interest Income (TE) 577 743
Total Interest Income (TE) 2,937 6,438
Total Interest Expense 196 552
Net Interest Income (TE) 2,741 5,848
Non-Interest Income 969 1,296
Adjusted Operating Income (TE) 3,710 7,387
Non-interest Expense 3,013 4,804
Provision for Loan & Lease Losses 223 249
Pretax Operating Income (TE) 474 2,264
Pretax Net Operating Income (TE) 618 2,338
Applicable Income Taxes — 79
Net Operating Income 500 2,051
Net Income 500 2,051
Cash Dividends Declared 291 1,081
Retained Earnings 209 873