Net Income Analysis ( % relative to Total Revenue )
Income Statement Harris Bank Woodstock All Insured Commercial Banks in Illinois
Interest and Fees on Loans 2,766 1,737
Income from Lease Financing Receivables — 503
— 41
Estimated Tax Benefit from Tax-Exempt Loan Income — 22
Income on Loans and Leases (TE) 2,766 1,755
Investment Interest Income (TE) 495 390
Total Interest Income (TE) 3,261 2,214
Total Interest Expense 1,061 690
Net Interest Income (TE) 2,200 1,516
Non-Interest Income 388 283
Adjusted Operating Income (TE) 2,588 1,808
Non-interest Expense 1,600 1,072
Provision for Loan & Lease Losses 30 197
Pretax Operating Income (TE) 958 918
Pretax Net Operating Income (TE) 958 922
Applicable Income Taxes 279 804
Net Operating Income 584 633
Net Income 584 633
Cash Dividends Declared — 919
Retained Earnings 584 1,363