Net Income Analysis ( % relative to Total Revenue )
Income Statement Clay County Savings Bank All Insured Commercial Banks in Missouri
Interest and Fees on Loans 3,015 8,346
Income from Lease Financing Receivables — 6
— 27
Estimated Tax Benefit from Tax-Exempt Loan Income — 13
Income on Loans and Leases (TE) 3,015 8,380
Investment Interest Income (TE) 64 1,007
Total Interest Income (TE) 3,164 9,598
Total Interest Expense 255 957
Net Interest Income (TE) 2,909 8,596
Non-Interest Income 759 1,957
Adjusted Operating Income (TE) 3,668 10,610
Non-interest Expense 3,374 6,886
Provision for Loan & Lease Losses — 275
Pretax Operating Income (TE) 294 3,421
Pretax Net Operating Income (TE) 305 3,495
Applicable Income Taxes — 604
Net Operating Income 305 2,724
Net Income 305 2,724
Cash Dividends Declared 110 1,137
Retained Earnings 195 1,380