Net Income Analysis ( % relative to Total Revenue )
Income Statement The First National Bank Of Coleraine All Insured Commercial Banks in Minnesota
Interest and Fees on Loans 1,735 4,864
Income from Lease Financing Receivables — 12
22 40
Estimated Tax Benefit from Tax-Exempt Loan Income 11 20
Income on Loans and Leases (TE) 1,746 4,921
Investment Interest Income (TE) 945 592
Total Interest Income (TE) 2,722 5,709
Total Interest Expense 303 508
Net Interest Income (TE) 2,419 5,181
Non-Interest Income 355 905
Adjusted Operating Income (TE) 2,774 6,155
Non-interest Expense 1,959 4,018
Provision for Loan & Lease Losses 24 126
Pretax Operating Income (TE) 791 1,907
Pretax Net Operating Income (TE) 797 1,940
Applicable Income Taxes 123 97
Net Operating Income 490 1,682
Net Income 490 1,683
Cash Dividends Declared 220 1,029
Retained Earnings 270 636