Net Income Analysis ( % relative to Total Revenue )
Income Statement Madison County Community Bank All Insured Commercial Banks in Florida
Interest and Fees on Loans 2,811 17,732
Income from Lease Financing Receivables — 0
29 43
Estimated Tax Benefit from Tax-Exempt Loan Income 15 22
Income on Loans and Leases (TE) 2,826 17,770
Investment Interest Income (TE) 606 2,218
Total Interest Income (TE) 3,546 20,559
Total Interest Expense 367 2,162
Net Interest Income (TE) 3,179 18,272
Non-Interest Income 590 3,794
Adjusted Operating Income (TE) 3,769 22,711
Non-interest Expense 2,861 16,000
Provision for Loan & Lease Losses -13 402
Pretax Operating Income (TE) 921 6,153
Pretax Net Operating Income (TE) 925 6,294
Applicable Income Taxes 297 1,702
Net Operating Income 613 4,381
Net Income 613 4,381
Cash Dividends Declared 224 1,082
Retained Earnings 389 2,782