Net Income Analysis ( % relative to Total Revenue )
Income Statement Citizens Bank All Insured Commercial Banks in Missouri
Interest and Fees on Loans 6,274 8,346
Income from Lease Financing Receivables — 6
11 27
Estimated Tax Benefit from Tax-Exempt Loan Income 5 13
Income on Loans and Leases (TE) 6,279 8,380
Investment Interest Income (TE) 674 1,007
Total Interest Income (TE) 7,001 9,598
Total Interest Expense 373 957
Net Interest Income (TE) 6,628 8,596
Non-Interest Income 1,047 1,957
Adjusted Operating Income (TE) 7,675 10,610
Non-interest Expense 5,857 6,886
Provision for Loan & Lease Losses -135 275
Pretax Operating Income (TE) 1,953 3,421
Pretax Net Operating Income (TE) 1,953 3,495
Applicable Income Taxes 536 604
Net Operating Income 1,269 2,724
Net Income 1,269 2,724
Cash Dividends Declared 293 1,137
Retained Earnings 976 1,380