Net Income Analysis ( % relative to Total Revenue )
Income Statement Congaree State Bank All Insured Commercial Banks in South Carolina
Interest and Fees on Loans 1,015 2,979
Income from Lease Financing Receivables — 0
— 4
Estimated Tax Benefit from Tax-Exempt Loan Income — 2
Income on Loans and Leases (TE) 1,015 2,990
Investment Interest Income (TE) 107 465
Total Interest Income (TE) 1,129 3,518
Total Interest Expense 86 338
Net Interest Income (TE) 1,043 3,177
Non-Interest Income 112 790
Adjusted Operating Income (TE) 1,155 3,941
Non-interest Expense 1,192 2,871
Provision for Loan & Lease Losses 33 101
Pretax Operating Income (TE) -70 993
Pretax Net Operating Income (TE) 11 1,024
Applicable Income Taxes 4 269
Net Operating Income 7 708
Net Income 7 708
Cash Dividends Declared 35 139
Retained Earnings -28 535