Net Income Analysis ( % relative to Total Revenue )
Income Statement The Oakley National Bank Of Buffalo All Insured Commercial Banks in Minnesota
Interest and Fees on Loans 1,751 994
Income from Lease Financing Receivables 18 287
18 28
Estimated Tax Benefit from Tax-Exempt Loan Income 9 14
Income on Loans and Leases (TE) 1,778 1,005
Investment Interest Income (TE) 335 161
Total Interest Income (TE) 2,121 1,181
Total Interest Expense 548 316
Net Interest Income (TE) 1,573 862
Non-Interest Income 462 137
Adjusted Operating Income (TE) 2,035 1,002
Non-interest Expense 991 607
Provision for Loan & Lease Losses — 63
Pretax Operating Income (TE) 1,044 762
Pretax Net Operating Income (TE) 1,044 775
Applicable Income Taxes 1 274
Net Operating Income 974 601
Net Income 974 601
Cash Dividends Declared 153 584
Retained Earnings 821 490