Net Income Analysis ( % relative to Total Revenue )
Income Statement First Bank & Trust, National Association All Insured Commercial Banks in Minnesota
Interest and Fees on Loans 3,050 2,224
Income from Lease Financing Receivables 1 5
79 18
Estimated Tax Benefit from Tax-Exempt Loan Income 40 9
Income on Loans and Leases (TE) 3,091 2,250
Investment Interest Income (TE) 649 299
Total Interest Income (TE) 3,792 2,633
Total Interest Expense 345 237
Net Interest Income (TE) 3,447 2,386
Non-Interest Income 563 398
Adjusted Operating Income (TE) 4,010 2,812
Non-interest Expense 2,542 1,847
Provision for Loan & Lease Losses — 52
Pretax Operating Income (TE) 1,468 894
Pretax Net Operating Income (TE) 1,468 908
Applicable Income Taxes 455 47
Net Operating Income 910 783
Net Income 910 785
Cash Dividends Declared 550 471
Retained Earnings 360 249