Net Income Analysis ( % relative to Total Revenue )
Income Statement Community Trust Bank All Insured Commercial Banks in Illinois
Interest and Fees on Loans 2,489 8,415
Income from Lease Financing Receivables — 4
40 41
Estimated Tax Benefit from Tax-Exempt Loan Income 20 20
Income on Loans and Leases (TE) 2,509 8,470
Investment Interest Income (TE) 604 1,438
Total Interest Income (TE) 3,174 10,200
Total Interest Expense 147 1,041
Net Interest Income (TE) 3,027 9,113
Non-Interest Income 581 2,030
Adjusted Operating Income (TE) 3,608 11,316
Non-interest Expense 2,537 7,442
Provision for Loan & Lease Losses 262 307
Pretax Operating Income (TE) 809 3,453
Pretax Net Operating Income (TE) 815 3,554
Applicable Income Taxes -128 569
Net Operating Income 780 2,671
Net Income 780 2,670
Cash Dividends Declared 412 1,225
Retained Earnings 368 1,214