Net Income Analysis ( % relative to Total Revenue )
Income Statement Independence State Bank All Insured Commercial Banks in Wisconsin
Interest and Fees on Loans 2,408 8,778
Income from Lease Financing Receivables — 1
26 81
Estimated Tax Benefit from Tax-Exempt Loan Income 13 41
Income on Loans and Leases (TE) 2,421 8,830
Investment Interest Income (TE) 148 1,225
Total Interest Income (TE) 2,614 10,297
Total Interest Expense 284 1,031
Net Interest Income (TE) 2,330 9,193
Non-Interest Income 165 1,813
Adjusted Operating Income (TE) 2,495 11,079
Non-interest Expense 2,209 6,946
Provision for Loan & Lease Losses 44 167
Pretax Operating Income (TE) 242 3,889
Pretax Net Operating Income (TE) 311 3,922
Applicable Income Taxes — 705
Net Operating Income 296 3,014
Net Income 296 3,013
Cash Dividends Declared 185 1,435
Retained Earnings 111 1,350