Net Income Analysis ( % relative to Total Revenue )
Income Statement Byron State Bank All Insured Commercial Banks in Nebraska
Interest and Fees on Loans 1,761 5,628
Income from Lease Financing Receivables — 1
— 22
Estimated Tax Benefit from Tax-Exempt Loan Income — 11
Income on Loans and Leases (TE) 1,761 5,649
Investment Interest Income (TE) 7 825
Total Interest Income (TE) 1,834 6,660
Total Interest Expense 257 793
Net Interest Income (TE) 1,577 5,813
Non-Interest Income 69 986
Adjusted Operating Income (TE) 1,646 6,872
Non-interest Expense 716 4,155
Provision for Loan & Lease Losses 65 208
Pretax Operating Income (TE) 865 2,412
Pretax Net Operating Income (TE) 866 2,466
Applicable Income Taxes 305 297
Net Operating Income 559 1,910
Net Income 559 1,911
Cash Dividends Declared 105 887
Retained Earnings 454 1,015