Net Income Analysis ( % relative to Total Revenue )
Income Statement First National Bank All Insured Commercial Banks in Oklahoma
Interest and Fees on Loans 1,196 2,848
Income from Lease Financing Receivables — 6
22 17
Estimated Tax Benefit from Tax-Exempt Loan Income 11 8
Income on Loans and Leases (TE) 1,207 2,876
Investment Interest Income (TE) 67 559
Total Interest Income (TE) 1,293 3,564
Total Interest Expense 251 624
Net Interest Income (TE) 1,042 2,919
Non-Interest Income 332 632
Adjusted Operating Income (TE) 1,374 3,638
Non-interest Expense 906 2,338
Provision for Loan & Lease Losses — 198
Pretax Operating Income (TE) 468 1,035
Pretax Net Operating Income (TE) 468 1,084
Applicable Income Taxes 166 32
Net Operating Income 291 947
Net Income 291 945
Cash Dividends Declared — 444
Retained Earnings 291 437