Net Income Analysis ( % relative to Total Revenue )
Income Statement Gardner Bank All Insured Commercial Banks in Kansas
Interest and Fees on Loans 2,478 4,851
Income from Lease Financing Receivables 115 18
115 22
Estimated Tax Benefit from Tax-Exempt Loan Income 58 11
Income on Loans and Leases (TE) 2,651 4,908
Investment Interest Income (TE) 479 1,053
Total Interest Income (TE) 3,203 6,154
Total Interest Expense 339 615
Net Interest Income (TE) 2,864 5,498
Non-Interest Income 662 1,087
Adjusted Operating Income (TE) 3,526 6,741
Non-interest Expense 3,206 4,308
Provision for Loan & Lease Losses 342 167
Pretax Operating Income (TE) -22 2,119
Pretax Net Operating Income (TE) 202 2,180
Applicable Income Taxes -58 271
Net Operating Income 146 1,662
Net Income 146 1,663
Cash Dividends Declared — 923
Retained Earnings 146 659