Net Income Analysis ( % relative to Total Revenue )
Income Statement Community State Bank All Insured Commercial Banks in Florida
Interest and Fees on Loans 2,577 17,732
Income from Lease Financing Receivables — 0
— 43
Estimated Tax Benefit from Tax-Exempt Loan Income — 22
Income on Loans and Leases (TE) 2,577 17,770
Investment Interest Income (TE) 497 2,218
Total Interest Income (TE) 3,139 20,559
Total Interest Expense 87 2,162
Net Interest Income (TE) 3,052 18,272
Non-Interest Income 936 3,794
Adjusted Operating Income (TE) 3,988 22,711
Non-interest Expense 3,530 16,000
Provision for Loan & Lease Losses 67 402
Pretax Operating Income (TE) 391 6,153
Pretax Net Operating Income (TE) 418 6,294
Applicable Income Taxes — 1,702
Net Operating Income 418 4,381
Net Income 418 4,381
Cash Dividends Declared 5 1,082
Retained Earnings 413 2,782