Net Income Analysis ( % relative to Total Revenue )
Income Statement Gateway Bank All Insured Commercial Banks in Minnesota
Interest and Fees on Loans 5,766 4,864
Income from Lease Financing Receivables — 12
— 40
Estimated Tax Benefit from Tax-Exempt Loan Income — 20
Income on Loans and Leases (TE) 5,766 4,921
Investment Interest Income (TE) 9 592
Total Interest Income (TE) 5,929 5,709
Total Interest Expense 661 508
Net Interest Income (TE) 5,268 5,181
Non-Interest Income 284 905
Adjusted Operating Income (TE) 5,552 6,155
Non-interest Expense 3,101 4,018
Provision for Loan & Lease Losses 6 126
Pretax Operating Income (TE) 2,445 1,907
Pretax Net Operating Income (TE) 2,445 1,940
Applicable Income Taxes 1 97
Net Operating Income 2,444 1,682
Net Income 2,444 1,683
Cash Dividends Declared 1,290 1,029
Retained Earnings 1,154 636