Net Income Analysis ( % relative to Total Revenue )
Income Statement Hometown National Bank All Insured Commercial Banks in Indiana
Interest and Fees on Loans 4,444 12,194
Income from Lease Financing Receivables 8 3,411
— 308
Estimated Tax Benefit from Tax-Exempt Loan Income — 165
Income on Loans and Leases (TE) 4,452 12,323
Investment Interest Income (TE) 372 2,886
Total Interest Income (TE) 5,066 15,450
Total Interest Expense 2,535 5,776
Net Interest Income (TE) 2,531 9,606
Non-Interest Income 457 2,696
Adjusted Operating Income (TE) 2,988 12,340
Non-interest Expense 1,794 7,107
Provision for Loan & Lease Losses 544 2,758
Pretax Operating Income (TE) 650 4,549
Pretax Net Operating Income (TE) 650 4,697
Applicable Income Taxes 241 5,409
Net Operating Income 401 3,108
Net Income 401 3,109
Cash Dividends Declared — 9,030
Retained Earnings 401 3,363