Net Income Analysis ( % relative to Total Revenue )
Income Statement Independent Banker's Bank Of Florida All Insured Commercial Banks in Florida
Interest and Fees on Loans 1,339 7,797
Income from Lease Financing Receivables — 0
— 11
Estimated Tax Benefit from Tax-Exempt Loan Income — 5
Income on Loans and Leases (TE) 1,339 7,816
Investment Interest Income (TE) 383 1,000
Total Interest Income (TE) 1,780 9,035
Total Interest Expense 852 892
Net Interest Income (TE) 928 8,059
Non-Interest Income 1,733 1,457
Adjusted Operating Income (TE) 2,661 9,754
Non-interest Expense 4,240 7,421
Provision for Loan & Lease Losses -750 162
Pretax Operating Income (TE) -829 2,223
Pretax Net Operating Income (TE) -829 2,321
Applicable Income Taxes — 623
Net Operating Income -829 1,647
Net Income -829 1,637
Cash Dividends Declared — 169
Retained Earnings -829 1,285