Net Income Analysis ( % relative to Total Revenue )
Income Statement Platinum Bank All Insured Commercial Banks in Minnesota
Interest and Fees on Loans 6,966 4,864
Income from Lease Financing Receivables — 12
104 40
Estimated Tax Benefit from Tax-Exempt Loan Income 35 20
Income on Loans and Leases (TE) 7,001 4,921
Investment Interest Income (TE) 382 592
Total Interest Income (TE) 7,415 5,709
Total Interest Expense 801 508
Net Interest Income (TE) 6,614 5,181
Non-Interest Income 907 905
Adjusted Operating Income (TE) 7,521 6,155
Non-interest Expense 4,336 4,018
Provision for Loan & Lease Losses 2,936 126
Pretax Operating Income (TE) 249 1,907
Pretax Net Operating Income (TE) 242 1,940
Applicable Income Taxes — 97
Net Operating Income 160 1,682
Net Income 160 1,683
Cash Dividends Declared 1,049 1,029
Retained Earnings -889 636