Net Income Analysis ( % relative to Total Revenue )
Income Statement New City Bank All Insured Commercial Banks in Illinois
Interest and Fees on Loans 2,656 7,675
Income from Lease Financing Receivables — 3
— 33
Estimated Tax Benefit from Tax-Exempt Loan Income — 12
Income on Loans and Leases (TE) 2,656 7,732
Investment Interest Income (TE) 1,294 1,552
Total Interest Income (TE) 3,954 9,534
Total Interest Expense 938 1,915
Net Interest Income (TE) 3,016 7,567
Non-Interest Income -1,154 1,396
Adjusted Operating Income (TE) 1,862 9,122
Non-interest Expense 2,821 6,310
Provision for Loan & Lease Losses 8,277 1,557
Pretax Operating Income (TE) -9,236 1,269
Pretax Net Operating Income (TE) -9,168 1,406
Applicable Income Taxes — 273
Net Operating Income -9,168 960
Net Income -9,168 954
Cash Dividends Declared — 457
Retained Earnings -9,168 350