Net Income Analysis ( % relative to Total Revenue )
Income Statement Chambers State Bank All Insured Commercial Banks in Nebraska
Interest and Fees on Loans 1,816 5,628
Income from Lease Financing Receivables — 1
— 22
Estimated Tax Benefit from Tax-Exempt Loan Income — 11
Income on Loans and Leases (TE) 1,816 5,649
Investment Interest Income (TE) 1 825
Total Interest Income (TE) 2,157 6,660
Total Interest Expense 107 793
Net Interest Income (TE) 2,050 5,813
Non-Interest Income 200 986
Adjusted Operating Income (TE) 2,250 6,872
Non-interest Expense 1,286 4,155
Provision for Loan & Lease Losses — 208
Pretax Operating Income (TE) 964 2,412
Pretax Net Operating Income (TE) 964 2,466
Applicable Income Taxes 409 297
Net Operating Income 555 1,910
Net Income 555 1,911
Cash Dividends Declared — 887
Retained Earnings 555 1,015