Net Income Analysis ( % relative to Total Revenue )
Income Statement Community State Bank All Insured Commercial Banks in Colorado
Interest and Fees on Loans 3,941 12,058
Income from Lease Financing Receivables — 15
— 86
Estimated Tax Benefit from Tax-Exempt Loan Income — 44
Income on Loans and Leases (TE) 3,941 12,124
Investment Interest Income (TE) 142 1,943
Total Interest Income (TE) 4,178 14,428
Total Interest Expense 491 901
Net Interest Income (TE) 3,687 13,487
Non-Interest Income 204 4,327
Adjusted Operating Income (TE) 3,891 18,392
Non-interest Expense 2,117 12,555
Provision for Loan & Lease Losses 240 237
Pretax Operating Income (TE) 1,534 5,288
Pretax Net Operating Income (TE) 1,534 5,374
Applicable Income Taxes — 823
Net Operating Income 1,531 4,034
Net Income 1,531 4,034
Cash Dividends Declared 650 1,590
Retained Earnings 881 2,176