Net Income Analysis ( % relative to Total Revenue )
Income Statement B&L Bank All Insured Commercial Banks in Missouri
Interest and Fees on Loans 1,514 4,088
Income from Lease Financing Receivables — 2
7 14
Estimated Tax Benefit from Tax-Exempt Loan Income 4 7
Income on Loans and Leases (TE) 1,518 4,104
Investment Interest Income (TE) 322 519
Total Interest Income (TE) 1,887 4,727
Total Interest Expense 154 464
Net Interest Income (TE) 1,733 4,240
Non-Interest Income 273 928
Adjusted Operating Income (TE) 2,006 5,191
Non-interest Expense 1,437 3,376
Provision for Loan & Lease Losses — 115
Pretax Operating Income (TE) 569 1,693
Pretax Net Operating Income (TE) 571 1,744
Applicable Income Taxes 162 320
Net Operating Income 371 1,342
Net Income 371 1,342
Cash Dividends Declared — 587
Retained Earnings 371 656