Net Income Analysis ( % relative to Total Revenue )
Income Statement Trailwest Bank All Insured Commercial Banks in Montana
Interest and Fees on Loans 18,747 8,885
Income from Lease Financing Receivables — 1
72 35
Estimated Tax Benefit from Tax-Exempt Loan Income 37 17
Income on Loans and Leases (TE) 18,784 8,904
Investment Interest Income (TE) 1,147 1,082
Total Interest Income (TE) 20,093 10,108
Total Interest Expense 2,562 784
Net Interest Income (TE) 17,531 9,278
Non-Interest Income 1,481 2,109
Adjusted Operating Income (TE) 19,012 11,382
Non-interest Expense 12,520 6,724
Provision for Loan & Lease Losses -285 241
Pretax Operating Income (TE) 6,777 4,367
Pretax Net Operating Income (TE) 6,777 4,427
Applicable Income Taxes — 499
Net Operating Income 6,508 3,773
Net Income 6,508 3,773
Cash Dividends Declared 3,000 2,023
Retained Earnings 3,508 1,276