Net Income Analysis ( % relative to Total Revenue )
Income Statement Gibson Savings Bank All Insured Commercial Banks in Iowa
Interest and Fees on Loans 1,184 3,547
Income from Lease Financing Receivables — 106
18 67
Estimated Tax Benefit from Tax-Exempt Loan Income 9 34
Income on Loans and Leases (TE) 1,193 3,571
Investment Interest Income (TE) 711 957
Total Interest Income (TE) 2,034 4,576
Total Interest Expense 654 1,590
Net Interest Income (TE) 1,380 2,981
Non-Interest Income 146 550
Adjusted Operating Income (TE) 1,526 3,547
Non-interest Expense 1,088 2,093
Provision for Loan & Lease Losses — 264
Pretax Operating Income (TE) 438 1,527
Pretax Net Operating Income (TE) 425 1,588
Applicable Income Taxes 89 469
Net Operating Income 271 1,130
Net Income 271 1,129
Cash Dividends Declared 205 1,257
Retained Earnings 66 686