Net Income Analysis ( % relative to Total Revenue )
Income Statement Heritage Bank Of Florida All Insured Commercial Banks in Florida
Interest and Fees on Loans 7,161 9,205
Income from Lease Financing Receivables — 0
— 4
Estimated Tax Benefit from Tax-Exempt Loan Income — 1
Income on Loans and Leases (TE) 7,161 9,214
Investment Interest Income (TE) — 1,332
Total Interest Income (TE) 7,205 10,834
Total Interest Expense 1,848 1,674
Net Interest Income (TE) 5,357 9,068
Non-Interest Income -1,119 1,563
Adjusted Operating Income (TE) 4,238 10,926
Non-interest Expense 4,427 8,860
Provision for Loan & Lease Losses 7,325 1,185
Pretax Operating Income (TE) -7,514 711
Pretax Net Operating Income (TE) -7,514 1,224
Applicable Income Taxes — 248
Net Operating Income -7,514 871
Net Income -7,514 871
Cash Dividends Declared — 28
Retained Earnings -7,514 783