Net Income Analysis ( % relative to Total Revenue )
Income Statement Citizens Bank Of Florida All Insured Commercial Banks in Florida
Interest and Fees on Loans 8,660 17,732
Income from Lease Financing Receivables — 0
140 43
Estimated Tax Benefit from Tax-Exempt Loan Income 71 22
Income on Loans and Leases (TE) 8,731 17,770
Investment Interest Income (TE) 591 2,218
Total Interest Income (TE) 9,439 20,559
Total Interest Expense 620 2,162
Net Interest Income (TE) 8,819 18,272
Non-Interest Income 922 3,794
Adjusted Operating Income (TE) 9,741 22,711
Non-interest Expense 7,808 16,000
Provision for Loan & Lease Losses 35 402
Pretax Operating Income (TE) 1,898 6,153
Pretax Net Operating Income (TE) 1,898 6,294
Applicable Income Taxes 632 1,702
Net Operating Income 1,192 4,381
Net Income 1,192 4,381
Cash Dividends Declared — 1,082
Retained Earnings 1,192 2,782