Net Income Analysis ( % relative to Total Revenue )
Income Statement Heritage Bank All Insured Commercial Banks in Illinois
Interest and Fees on Loans 20,325 9,322
Income from Lease Financing Receivables — 1,385
27 125
Estimated Tax Benefit from Tax-Exempt Loan Income 14 63
Income on Loans and Leases (TE) 20,339 9,433
Investment Interest Income (TE) 2,266 1,970
Total Interest Income (TE) 22,796 11,667
Total Interest Expense 9,432 5,611
Net Interest Income (TE) 13,364 6,092
Non-Interest Income 2,229 1,201
Adjusted Operating Income (TE) 15,593 7,421
Non-interest Expense 9,304 4,698
Provision for Loan & Lease Losses 280 1,304
Pretax Operating Income (TE) 6,009 7,493
Pretax Net Operating Income (TE) 6,009 7,414
Applicable Income Taxes 17 2,321
Net Operating Income 5,961 5,194
Net Income 5,961 5,195
Cash Dividends Declared 2,975 4,086
Retained Earnings 2,986 2,549