Net Income Analysis ( % relative to Total Revenue )
Income Statement Exchange State Bank All Insured Commercial Banks in Illinois
Interest and Fees on Loans 1,750 8,415
Income from Lease Financing Receivables 16 4
14 41
Estimated Tax Benefit from Tax-Exempt Loan Income 7 20
Income on Loans and Leases (TE) 1,773 8,470
Investment Interest Income (TE) 1,458 1,438
Total Interest Income (TE) 3,278 10,200
Total Interest Expense 545 1,041
Net Interest Income (TE) 2,733 9,113
Non-Interest Income 381 2,030
Adjusted Operating Income (TE) 3,114 11,316
Non-interest Expense 1,927 7,442
Provision for Loan & Lease Losses — 307
Pretax Operating Income (TE) 1,187 3,453
Pretax Net Operating Income (TE) 1,330 3,554
Applicable Income Taxes 15 569
Net Operating Income 987 2,671
Net Income 987 2,670
Cash Dividends Declared 290 1,225
Retained Earnings 697 1,214