Net Income Analysis ( % relative to Total Revenue )
Income Statement Unity Bank, National Association All Insured Commercial Banks in Minnesota
Interest and Fees on Loans 1,839 4,017
Income from Lease Financing Receivables — 995
4 103
Estimated Tax Benefit from Tax-Exempt Loan Income 2 48
Income on Loans and Leases (TE) 1,841 4,055
Investment Interest Income (TE) 632 520
Total Interest Income (TE) 2,522 4,654
Total Interest Expense 964 1,738
Net Interest Income (TE) 1,558 2,907
Non-Interest Income 175 460
Adjusted Operating Income (TE) 1,733 3,382
Non-interest Expense 1,100 2,041
Provision for Loan & Lease Losses 12 261
Pretax Operating Income (TE) 621 2,504
Pretax Net Operating Income (TE) 621 2,506
Applicable Income Taxes 1 746
Net Operating Income 613 1,981
Net Income 613 1,982
Cash Dividends Declared 357 1,568
Retained Earnings 256 938