Net Income Analysis ( % relative to Total Revenue )
Income Statement Citizens Community Bank All Insured Commercial Banks in Missouri
Interest and Fees on Loans 3,408 8,346
Income from Lease Financing Receivables — 6
— 27
Estimated Tax Benefit from Tax-Exempt Loan Income — 13
Income on Loans and Leases (TE) 3,408 8,380
Investment Interest Income (TE) 278 1,007
Total Interest Income (TE) 3,726 9,598
Total Interest Expense 412 957
Net Interest Income (TE) 3,314 8,596
Non-Interest Income 621 1,957
Adjusted Operating Income (TE) 3,935 10,610
Non-interest Expense 2,829 6,886
Provision for Loan & Lease Losses — 275
Pretax Operating Income (TE) 1,106 3,421
Pretax Net Operating Income (TE) 1,106 3,495
Applicable Income Taxes 299 604
Net Operating Income 761 2,724
Net Income 761 2,724
Cash Dividends Declared 605 1,137
Retained Earnings 156 1,380