Net Income Analysis ( % relative to Total Revenue )
Income Statement Heritage Bank All Insured Commercial Banks in Wisconsin
Interest and Fees on Loans 3,355 8,778
Income from Lease Financing Receivables — 1
63 81
Estimated Tax Benefit from Tax-Exempt Loan Income 32 41
Income on Loans and Leases (TE) 3,387 8,830
Investment Interest Income (TE) 394 1,225
Total Interest Income (TE) 3,839 10,297
Total Interest Expense 380 1,031
Net Interest Income (TE) 3,459 9,193
Non-Interest Income 355 1,813
Adjusted Operating Income (TE) 3,814 11,079
Non-interest Expense 2,505 6,946
Provision for Loan & Lease Losses 20 167
Pretax Operating Income (TE) 1,289 3,889
Pretax Net Operating Income (TE) 1,289 3,922
Applicable Income Taxes 398 705
Net Operating Income 776 3,014
Net Income 776 3,013
Cash Dividends Declared 135 1,435
Retained Earnings 641 1,350