Net Income Analysis ( % relative to Total Revenue )
Income Statement Stroud National Bank All Insured Commercial Banks in Oklahoma
Interest and Fees on Loans 3,091 7,418
Income from Lease Financing Receivables — 18
44 37
Estimated Tax Benefit from Tax-Exempt Loan Income 22 19
Income on Loans and Leases (TE) 3,113 7,480
Investment Interest Income (TE) 624 972
Total Interest Income (TE) 3,829 8,661
Total Interest Expense 493 749
Net Interest Income (TE) 3,336 7,866
Non-Interest Income 780 1,736
Adjusted Operating Income (TE) 4,116 9,962
Non-interest Expense 3,602 6,544
Provision for Loan & Lease Losses 50 343
Pretax Operating Income (TE) 464 2,979
Pretax Net Operating Income (TE) 505 3,057
Applicable Income Taxes — 104
Net Operating Income 370 2,672
Net Income 370 2,672
Cash Dividends Declared 260 1,602
Retained Earnings 110 1,026