Net Income Analysis ( % relative to Total Revenue )
Income Statement Cross River Bank All Insured Commercial Banks in New Jersey
Interest and Fees on Loans 31,967 29,100
Income from Lease Financing Receivables — 31
— 49
Estimated Tax Benefit from Tax-Exempt Loan Income — 23
Income on Loans and Leases (TE) 31,967 29,223
Investment Interest Income (TE) 353 2,453
Total Interest Income (TE) 32,629 32,299
Total Interest Expense 2,544 4,682
Net Interest Income (TE) 30,085 27,350
Non-Interest Income 17,255 7,091
Adjusted Operating Income (TE) 47,340 36,057
Non-interest Expense 21,146 23,648
Provision for Loan & Lease Losses 4,349 876
Pretax Operating Income (TE) 21,845 10,871
Pretax Net Operating Income (TE) 21,629 10,995
Applicable Income Taxes 8,106 2,973
Net Operating Income 13,523 8,462
Net Income 13,523 8,451
Cash Dividends Declared — 2,119
Retained Earnings 13,523 5,840