Net Income Analysis ( % relative to Total Revenue )
Income Statement Hilltop Community Bank All Insured Commercial Banks in New Jersey
Interest and Fees on Loans 4,088 14,819
Income from Lease Financing Receivables — 15
— 16
Estimated Tax Benefit from Tax-Exempt Loan Income — 6
Income on Loans and Leases (TE) 4,088 14,870
Investment Interest Income (TE) 1,107 1,904
Total Interest Income (TE) 5,234 16,951
Total Interest Expense 433 2,530
Net Interest Income (TE) 4,801 14,368
Non-Interest Income 276 5,057
Adjusted Operating Income (TE) 5,077 20,253
Non-interest Expense 3,950 14,667
Provision for Loan & Lease Losses 90 1,067
Pretax Operating Income (TE) 1,037 4,227
Pretax Net Operating Income (TE) 1,161 4,375
Applicable Income Taxes 179 1,152
Net Operating Income 737 2,940
Net Income 737 2,933
Cash Dividends Declared — 1,193
Retained Earnings 737 1,626