Net Income Analysis ( % relative to Total Revenue )
Income Statement Gateway Community Bank All Insured Commercial Banks in Illinois
Interest and Fees on Loans 3,012 8,415
Income from Lease Financing Receivables — 4
47 41
Estimated Tax Benefit from Tax-Exempt Loan Income 24 20
Income on Loans and Leases (TE) 3,036 8,470
Investment Interest Income (TE) 530 1,438
Total Interest Income (TE) 3,615 10,200
Total Interest Expense 549 1,041
Net Interest Income (TE) 3,066 9,113
Non-Interest Income 305 2,030
Adjusted Operating Income (TE) 3,371 11,316
Non-interest Expense 2,867 7,442
Provision for Loan & Lease Losses — 307
Pretax Operating Income (TE) 504 3,453
Pretax Net Operating Income (TE) 524 3,554
Applicable Income Taxes 66 569
Net Operating Income 342 2,671
Net Income 342 2,670
Cash Dividends Declared 40 1,225
Retained Earnings 302 1,214