Net Income Analysis ( % relative to Total Revenue )
Income Statement Citizens Community Bank All Insured Commercial Banks in Illinois
Interest and Fees on Loans 10,744 8,415
Income from Lease Financing Receivables 2 4
150 41
Estimated Tax Benefit from Tax-Exempt Loan Income 77 20
Income on Loans and Leases (TE) 10,823 8,470
Investment Interest Income (TE) 2,920 1,438
Total Interest Income (TE) 13,815 10,200
Total Interest Expense 3,062 1,041
Net Interest Income (TE) 10,753 9,113
Non-Interest Income 1,258 2,030
Adjusted Operating Income (TE) 12,011 11,316
Non-interest Expense 5,397 7,442
Provision for Loan & Lease Losses 870 307
Pretax Operating Income (TE) 5,744 3,453
Pretax Net Operating Income (TE) 5,744 3,554
Applicable Income Taxes 1,567 569
Net Operating Income 3,629 2,671
Net Income 3,629 2,670
Cash Dividends Declared 915 1,225
Retained Earnings 2,714 1,214