Net Income Analysis ( % relative to Total Revenue )
Income Statement High Plains Bank All Insured Commercial Banks in Oklahoma
Interest and Fees on Loans 2,755 5,491
Income from Lease Financing Receivables 4 14
— 29
Estimated Tax Benefit from Tax-Exempt Loan Income — 15
Income on Loans and Leases (TE) 2,759 5,543
Investment Interest Income (TE) 116 743
Total Interest Income (TE) 2,895 6,438
Total Interest Expense 401 552
Net Interest Income (TE) 2,494 5,848
Non-Interest Income 265 1,296
Adjusted Operating Income (TE) 2,759 7,387
Non-interest Expense 1,236 4,804
Provision for Loan & Lease Losses 45 249
Pretax Operating Income (TE) 1,478 2,264
Pretax Net Operating Income (TE) 1,482 2,338
Applicable Income Taxes — 79
Net Operating Income 1,453 2,051
Net Income 1,453 2,051
Cash Dividends Declared 823 1,081
Retained Earnings 630 873