Net Income Analysis ( % relative to Total Revenue )
Income Statement Bank Of Bluffs All Insured Commercial Banks in Illinois
Interest and Fees on Loans 1,873 8,415
Income from Lease Financing Receivables — 4
31 41
Estimated Tax Benefit from Tax-Exempt Loan Income 16 20
Income on Loans and Leases (TE) 1,889 8,470
Investment Interest Income (TE) 459 1,438
Total Interest Income (TE) 2,352 10,200
Total Interest Expense 244 1,041
Net Interest Income (TE) 2,108 9,113
Non-Interest Income 80 2,030
Adjusted Operating Income (TE) 2,188 11,316
Non-interest Expense 1,715 7,442
Provision for Loan & Lease Losses 62 307
Pretax Operating Income (TE) 411 3,453
Pretax Net Operating Income (TE) 416 3,554
Applicable Income Taxes — 569
Net Operating Income 329 2,671
Net Income 329 2,670
Cash Dividends Declared 220 1,225
Retained Earnings 109 1,214