The Howard State Bank, Howard, Kansas
Howard, KS — Non-member Bank
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Net Income Analysis
( % relative to Total Revenue )
| Income Statement | The Howard State Bank, Howard, Kansas | All Insured Commercial Banks in Kansas |
| Interest and Fees on Loans | 1,352 | 4,851 |
| Income from Lease Financing Receivables | 5 | 18 |
| 5 | 22 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | 3 | 11 |
| Income on Loans and Leases (TE) | 1,360 | 4,908 |
| Investment Interest Income (TE) | 321 | 1,053 |
| Total Interest Income (TE) | 1,852 | 6,154 |
| Total Interest Expense | 117 | 615 |
| Net Interest Income (TE) | 1,735 | 5,498 |
| Non-Interest Income | 193 | 1,087 |
| Adjusted Operating Income (TE) | 1,928 | 6,741 |
| Non-interest Expense | 1,410 | 4,308 |
| Provision for Loan & Lease Losses | 5 | 167 |
| Pretax Operating Income (TE) | 513 | 2,119 |
| Pretax Net Operating Income (TE) | 513 | 2,180 |
| Applicable Income Taxes | 10 | 271 |
| Net Operating Income | 427 | 1,662 |
| Net Income | 427 | 1,663 |
| Cash Dividends Declared | 217 | 923 |
| Retained Earnings | 210 | 659 |