Net Income Analysis ( % relative to Total Revenue )
Income Statement Harbor Community Bank All Insured Commercial Banks in Florida
Interest and Fees on Loans 54,712 17,732
Income from Lease Financing Receivables — 0
100 43
Estimated Tax Benefit from Tax-Exempt Loan Income 51 22
Income on Loans and Leases (TE) 54,763 17,770
Investment Interest Income (TE) 9,542 2,218
Total Interest Income (TE) 64,732 20,559
Total Interest Expense 5,304 2,162
Net Interest Income (TE) 59,428 18,272
Non-Interest Income 11,017 3,794
Adjusted Operating Income (TE) 70,445 22,711
Non-interest Expense 53,842 16,000
Provision for Loan & Lease Losses 1,910 402
Pretax Operating Income (TE) 14,693 6,153
Pretax Net Operating Income (TE) 14,980 6,294
Applicable Income Taxes 5,709 1,702
Net Operating Income 9,220 4,381
Net Income 9,220 4,381
Cash Dividends Declared 13,000 1,082
Retained Earnings -3,780 2,782