Net Income Analysis ( % relative to Total Revenue )
Income Statement The Highlands Bank All Insured Commercial Banks in Louisiana
Interest and Fees on Loans 4,346 9,078
Income from Lease Financing Receivables — 0
8 7
Estimated Tax Benefit from Tax-Exempt Loan Income 4 3
Income on Loans and Leases (TE) 4,350 9,117
Investment Interest Income (TE) 152 1,324
Total Interest Income (TE) 4,583 10,645
Total Interest Expense 440 950
Net Interest Income (TE) 4,143 9,697
Non-Interest Income 666 1,788
Adjusted Operating Income (TE) 4,809 11,608
Non-interest Expense 3,110 7,687
Provision for Loan & Lease Losses 104 492
Pretax Operating Income (TE) 1,595 3,191
Pretax Net Operating Income (TE) 1,595 3,293
Applicable Income Taxes — 394
Net Operating Income 1,571 2,741
Net Income 1,571 2,741
Cash Dividends Declared 1,037 1,006
Retained Earnings 534 1,393