Net Income Analysis ( % relative to Total Revenue )
Income Statement Advantage Bank All Insured Commercial Banks in Colorado
Interest and Fees on Loans 13,444 12,058
Income from Lease Financing Receivables — 15
— 86
Estimated Tax Benefit from Tax-Exempt Loan Income — 44
Income on Loans and Leases (TE) 13,444 12,124
Investment Interest Income (TE) 242 1,943
Total Interest Income (TE) 13,786 14,428
Total Interest Expense 1,510 901
Net Interest Income (TE) 12,276 13,487
Non-Interest Income -51 4,327
Adjusted Operating Income (TE) 12,225 18,392
Non-interest Expense 8,061 12,555
Provision for Loan & Lease Losses 922 237
Pretax Operating Income (TE) 3,242 5,288
Pretax Net Operating Income (TE) 3,246 5,374
Applicable Income Taxes — 823
Net Operating Income 3,246 4,034
Net Income 3,246 4,034
Cash Dividends Declared — 1,590
Retained Earnings 3,246 2,176