Net Income Analysis ( % relative to Total Revenue )
Income Statement Pender State Bank All Insured Commercial Banks in Nebraska
Interest and Fees on Loans 4,446 3,633
Income from Lease Financing Receivables — 2
19 16
Estimated Tax Benefit from Tax-Exempt Loan Income 10 8
Income on Loans and Leases (TE) 4,456 3,651
Investment Interest Income (TE) 235 572
Total Interest Income (TE) 4,811 4,344
Total Interest Expense 849 500
Net Interest Income (TE) 3,962 3,820
Non-Interest Income 111 627
Adjusted Operating Income (TE) 4,073 4,471
Non-interest Expense 1,761 2,690
Provision for Loan & Lease Losses — 99
Pretax Operating Income (TE) 2,312 1,638
Pretax Net Operating Income (TE) 2,312 1,659
Applicable Income Taxes 51 197
Net Operating Income 2,240 1,285
Net Income 2,240 1,288
Cash Dividends Declared 2,009 551
Retained Earnings 231 703