Net Income Analysis ( % relative to Total Revenue )
Income Statement Citizens State Bank All Insured Commercial Banks in Kansas
Interest and Fees on Loans 1,286 4,851
Income from Lease Financing Receivables 3 18
3 22
Estimated Tax Benefit from Tax-Exempt Loan Income — 11
Income on Loans and Leases (TE) 1,289 4,908
Investment Interest Income (TE) 56 1,053
Total Interest Income (TE) 1,373 6,154
Total Interest Expense 146 615
Net Interest Income (TE) 1,227 5,498
Non-Interest Income 148 1,087
Adjusted Operating Income (TE) 1,375 6,741
Non-interest Expense 1,161 4,308
Provision for Loan & Lease Losses 250 167
Pretax Operating Income (TE) -36 2,119
Pretax Net Operating Income (TE) 9 2,180
Applicable Income Taxes 4 271
Net Operating Income 4 1,662
Net Income 4 1,663
Cash Dividends Declared 255 923
Retained Earnings -251 659