Net Income Analysis ( % relative to Total Revenue )
Income Statement Patriot Bank Minnesota All Insured Commercial Banks in Minnesota
Interest and Fees on Loans 4,454 4,484
Income from Lease Financing Receivables — 8
345 46
Estimated Tax Benefit from Tax-Exempt Loan Income — 17
Income on Loans and Leases (TE) 4,454 4,549
Investment Interest Income (TE) 347 614
Total Interest Income (TE) 4,811 5,311
Total Interest Expense 1,760 1,028
Net Interest Income (TE) 3,051 4,262
Non-Interest Income -1,040 530
Adjusted Operating Income (TE) 2,011 4,852
Non-interest Expense 4,037 3,433
Provision for Loan & Lease Losses 3,833 427
Pretax Operating Income (TE) -5,859 946
Pretax Net Operating Income (TE) -5,699 967
Applicable Income Taxes 5 40
Net Operating Income -5,704 822
Net Income -5,704 822
Cash Dividends Declared — 477
Retained Earnings -5,704 272