Net Income Analysis ( % relative to Total Revenue )
Income Statement Citizens Bank Of Cape Vincent All Insured Commercial Banks in New York
Interest and Fees on Loans 1,647 41,190
Income from Lease Financing Receivables — 11
6 99
Estimated Tax Benefit from Tax-Exempt Loan Income 3 52
Income on Loans and Leases (TE) 1,650 41,538
Investment Interest Income (TE) 627 6,772
Total Interest Income (TE) 2,296 51,262
Total Interest Expense 157 6,465
Net Interest Income (TE) 2,139 44,373
Non-Interest Income 121 11,435
Adjusted Operating Income (TE) 2,260 60,531
Non-interest Expense 1,637 38,074
Provision for Loan & Lease Losses 60 2,203
Pretax Operating Income (TE) 563 19,351
Pretax Net Operating Income (TE) 563 20,027
Applicable Income Taxes 62 5,930
Net Operating Income 352 13,255
Net Income 352 13,254
Cash Dividends Declared 150 2,280
Retained Earnings 202 7,706