Net Income Analysis ( % relative to Total Revenue )
Income Statement Anchor Commercial Bank All Insured Commercial Banks in Florida
Interest and Fees on Loans 3,953 17,732
Income from Lease Financing Receivables — 0
— 43
Estimated Tax Benefit from Tax-Exempt Loan Income — 22
Income on Loans and Leases (TE) 3,953 17,770
Investment Interest Income (TE) 194 2,218
Total Interest Income (TE) 4,373 20,559
Total Interest Expense 389 2,162
Net Interest Income (TE) 3,984 18,272
Non-Interest Income 94 3,794
Adjusted Operating Income (TE) 4,078 22,711
Non-interest Expense 3,610 16,000
Provision for Loan & Lease Losses — 402
Pretax Operating Income (TE) 605 6,153
Pretax Net Operating Income (TE) 737 6,294
Applicable Income Taxes 281 1,702
Net Operating Income 456 4,381
Net Income 456 4,381
Cash Dividends Declared — 1,082
Retained Earnings 456 2,782