Net Income Analysis ( % relative to Total Revenue )
Income Statement Citizens State Bank, Of Arlington All Insured Commercial Banks in South Dakota
Interest and Fees on Loans 3,316 11,165
Income from Lease Financing Receivables — 9
21 69
Estimated Tax Benefit from Tax-Exempt Loan Income 11 36
Income on Loans and Leases (TE) 3,327 11,237
Investment Interest Income (TE) 508 1,143
Total Interest Income (TE) 3,927 12,568
Total Interest Expense 367 1,156
Net Interest Income (TE) 3,560 11,412
Non-Interest Income 266 3,519
Adjusted Operating Income (TE) 3,826 15,007
Non-interest Expense 2,410 9,017
Provision for Loan & Lease Losses 240 665
Pretax Operating Income (TE) 1,176 4,931
Pretax Net Operating Income (TE) 1,205 4,991
Applicable Income Taxes 338 989
Net Operating Income 852 3,749
Net Income 852 3,749
Cash Dividends Declared 35 1,737
Retained Earnings 817 1,960