Net Income Analysis ( % relative to Total Revenue )
Income Statement Cornerstone Bank All Insured Commercial Banks in Arkansas
Interest and Fees on Loans 7,960 11,107
Income from Lease Financing Receivables — 1
6 29
Estimated Tax Benefit from Tax-Exempt Loan Income 3 15
Income on Loans and Leases (TE) 7,963 11,129
Investment Interest Income (TE) 1,437 1,636
Total Interest Income (TE) 9,452 12,872
Total Interest Expense 1,051 1,430
Net Interest Income (TE) 8,401 11,443
Non-Interest Income 1,923 3,679
Adjusted Operating Income (TE) 10,324 16,091
Non-interest Expense 6,902 10,771
Provision for Loan & Lease Losses 240 635
Pretax Operating Income (TE) 3,182 4,580
Pretax Net Operating Income (TE) 3,182 4,646
Applicable Income Taxes — 823
Net Operating Income 2,967 3,504
Net Income 2,967 3,504
Cash Dividends Declared 1,316 2,018
Retained Earnings 1,651 1,459