First National Bank
Chisholm, MN — National Bank
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Net Income Analysis
( % relative to Total Revenue )
| Income Statement | First National Bank | All Insured Commercial Banks in Minnesota |
| Interest and Fees on Loans | 617 | 4,864 |
| Income from Lease Financing Receivables | — | 12 |
| — | 40 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | — | 20 |
| Income on Loans and Leases (TE) | 617 | 4,921 |
| Investment Interest Income (TE) | 1,642 | 592 |
| Total Interest Income (TE) | 2,336 | 5,709 |
| Total Interest Expense | 486 | 508 |
| Net Interest Income (TE) | 1,850 | 5,181 |
| Non-Interest Income | 103 | 905 |
| Adjusted Operating Income (TE) | 1,953 | 6,155 |
| Non-interest Expense | 1,990 | 4,018 |
| Provision for Loan & Lease Losses | — | 126 |
| Pretax Operating Income (TE) | -37 | 1,907 |
| Pretax Net Operating Income (TE) | 194 | 1,940 |
| Applicable Income Taxes | — | 97 |
| Net Operating Income | 194 | 1,682 |
| Net Income | 194 | 1,683 |
| Cash Dividends Declared | 130 | 1,029 |
| Retained Earnings | 64 | 636 |