Net Income Analysis ( % relative to Total Revenue )
Income Statement Community State Bank All Insured Commercial Banks in New Jersey
Interest and Fees on Loans 3,099 8,923
Income from Lease Financing Receivables — 1,208
— 788
Estimated Tax Benefit from Tax-Exempt Loan Income — 390
Income on Loans and Leases (TE) 3,099 9,054
Investment Interest Income (TE) 333 4,840
Total Interest Income (TE) 3,564 15,090
Total Interest Expense 1,193 4,599
Net Interest Income (TE) 2,371 10,455
Non-Interest Income 552 3,776
Adjusted Operating Income (TE) 2,923 15,446
Non-interest Expense 1,884 8,660
Provision for Loan & Lease Losses 65 818
Pretax Operating Income (TE) 974 11,505
Pretax Net Operating Income (TE) 974 11,848
Applicable Income Taxes 387 3,818
Net Operating Income 587 7,909
Net Income 587 7,909
Cash Dividends Declared — 13,380
Retained Earnings 587 2,649