Net Income Analysis ( % relative to Total Revenue )
Income Statement Bay-Hermann-Berger Bank All Insured Commercial Banks in Missouri
Interest and Fees on Loans 1,727 7,726
Income from Lease Financing Receivables — 8
56 27
Estimated Tax Benefit from Tax-Exempt Loan Income 1 10
Income on Loans and Leases (TE) 1,728 7,755
Investment Interest Income (TE) 393 1,064
Total Interest Income (TE) 2,130 9,063
Total Interest Expense 499 2,288
Net Interest Income (TE) 1,631 6,661
Non-Interest Income 202 1,356
Adjusted Operating Income (TE) 1,833 8,013
Non-interest Expense 1,284 5,245
Provision for Loan & Lease Losses 527 1,119
Pretax Operating Income (TE) 22 1,598
Pretax Net Operating Income (TE) 22 1,679
Applicable Income Taxes 14 270
Net Operating Income 5 1,308
Net Income 5 1,308
Cash Dividends Declared 184 672
Retained Earnings -179 479