Net Income Analysis ( % relative to Total Revenue )
Income Statement Baytree National Bank & Trust Company All Insured Commercial Banks in Illinois
Interest and Fees on Loans 1,397 7,403
Income from Lease Financing Receivables 2,857 3
— 33
Estimated Tax Benefit from Tax-Exempt Loan Income — 16
Income on Loans and Leases (TE) 4,254 7,466
Investment Interest Income (TE) 8 1,464
Total Interest Income (TE) 4,320 9,148
Total Interest Expense 414 954
Net Interest Income (TE) 3,906 8,156
Non-Interest Income 5,299 1,656
Adjusted Operating Income (TE) 9,205 9,917
Non-interest Expense 7,425 6,692
Provision for Loan & Lease Losses 1,464 312
Pretax Operating Income (TE) 316 2,815
Pretax Net Operating Income (TE) 316 2,872
Applicable Income Taxes — 445
Net Operating Income 316 2,135
Net Income 316 2,137
Cash Dividends Declared — 790
Retained Earnings 316 1,059