Net Income Analysis ( % relative to Total Revenue )
Income Statement Independence Community Bank All Insured Savings Banks in New York
Interest and Fees on Loans 67,130 20,018
Income from Lease Financing Receivables — 3,838
— 69
Estimated Tax Benefit from Tax-Exempt Loan Income — 36
Income on Loans and Leases (TE) 67,130 20,176
Investment Interest Income (TE) 14,050 12,940
Total Interest Income (TE) 82,206 36,269
Total Interest Expense 44,618 18,710
Net Interest Income (TE) 37,588 17,563
Non-Interest Income 6,978 2,866
Adjusted Operating Income (TE) 44,566 20,425
Non-interest Expense 30,270 12,596
Provision for Loan & Lease Losses 12,500 991
Pretax Operating Income (TE) 1,796 15,367
Pretax Net Operating Income (TE) — 16,805
Applicable Income Taxes — 5,083
Net Operating Income — 11,661
Net Income — 14,141
Cash Dividends Declared — 120,600
Retained Earnings — 5,020