Net Income Analysis ( % relative to Total Revenue )
Income Statement First Financial Bank In Winnebago All Insured Commercial Banks in Minnesota
Interest and Fees on Loans 1,501 4,864
Income from Lease Financing Receivables — 12
20 40
Estimated Tax Benefit from Tax-Exempt Loan Income 10 20
Income on Loans and Leases (TE) 1,511 4,921
Investment Interest Income (TE) 282 592
Total Interest Income (TE) 1,860 5,709
Total Interest Expense 179 508
Net Interest Income (TE) 1,681 5,181
Non-Interest Income 95 905
Adjusted Operating Income (TE) 1,776 6,155
Non-interest Expense 1,137 4,018
Provision for Loan & Lease Losses 105 126
Pretax Operating Income (TE) 534 1,907
Pretax Net Operating Income (TE) 536 1,940
Applicable Income Taxes 1 97
Net Operating Income 480 1,682
Net Income 480 1,683
Cash Dividends Declared 420 1,029
Retained Earnings 60 636