Net Income Analysis ( % relative to Total Revenue )
Income Statement Cambridge State Bank All Insured Commercial Banks in Minnesota
Interest and Fees on Loans 2,091 4,864
Income from Lease Financing Receivables — 12
— 40
Estimated Tax Benefit from Tax-Exempt Loan Income — 20
Income on Loans and Leases (TE) 2,091 4,921
Investment Interest Income (TE) 296 592
Total Interest Income (TE) 2,494 5,709
Total Interest Expense 132 508
Net Interest Income (TE) 2,362 5,181
Non-Interest Income 455 905
Adjusted Operating Income (TE) 2,817 6,155
Non-interest Expense 2,145 4,018
Provision for Loan & Lease Losses 100 126
Pretax Operating Income (TE) 572 1,907
Pretax Net Operating Income (TE) 574 1,940
Applicable Income Taxes — 97
Net Operating Income 574 1,682
Net Income 574 1,683
Cash Dividends Declared 378 1,029
Retained Earnings 196 636