Net Income Analysis ( % relative to Total Revenue )
Income Statement Clay County State Bank All Insured Commercial Banks in Illinois
Interest and Fees on Loans 1,970 8,415
Income from Lease Financing Receivables — 4
2 41
Estimated Tax Benefit from Tax-Exempt Loan Income 1 20
Income on Loans and Leases (TE) 1,971 8,470
Investment Interest Income (TE) 724 1,438
Total Interest Income (TE) 2,715 10,200
Total Interest Expense 381 1,041
Net Interest Income (TE) 2,334 9,113
Non-Interest Income 264 2,030
Adjusted Operating Income (TE) 2,598 11,316
Non-interest Expense 1,667 7,442
Provision for Loan & Lease Losses 97 307
Pretax Operating Income (TE) 834 3,453
Pretax Net Operating Income (TE) 886 3,554
Applicable Income Taxes — 569
Net Operating Income 843 2,671
Net Income 843 2,670
Cash Dividends Declared 614 1,225
Retained Earnings 229 1,214