Net Income Analysis ( % relative to Total Revenue )
Income Statement The St. Marys State Bank All Insured Commercial Banks in Kansas
Interest and Fees on Loans 3,028 4,851
Income from Lease Financing Receivables — 18
4 22
Estimated Tax Benefit from Tax-Exempt Loan Income 2 11
Income on Loans and Leases (TE) 3,030 4,908
Investment Interest Income (TE) 774 1,053
Total Interest Income (TE) 3,885 6,154
Total Interest Expense 633 615
Net Interest Income (TE) 3,252 5,498
Non-Interest Income 718 1,087
Adjusted Operating Income (TE) 3,970 6,741
Non-interest Expense 2,902 4,308
Provision for Loan & Lease Losses — 167
Pretax Operating Income (TE) 1,068 2,119
Pretax Net Operating Income (TE) 1,068 2,180
Applicable Income Taxes 63 271
Net Operating Income 778 1,662
Net Income 778 1,663
Cash Dividends Declared 488 923
Retained Earnings 290 659