Net Income Analysis ( % relative to Total Revenue )
Income Statement Noble Community Bank All Insured Commercial Banks in New Jersey
Interest and Fees on Loans 1,213 12,249
Income from Lease Financing Receivables — 3,769
— 210
Estimated Tax Benefit from Tax-Exempt Loan Income — 102
Income on Loans and Leases (TE) 1,213 12,558
Investment Interest Income (TE) 356 3,011
Total Interest Income (TE) 1,769 15,580
Total Interest Expense 896 6,371
Net Interest Income (TE) 873 9,085
Non-Interest Income 16 3,725
Adjusted Operating Income (TE) 889 12,699
Non-interest Expense 1,486 8,661
Provision for Loan & Lease Losses 160 1,582
Pretax Operating Income (TE) — 11,188
Pretax Net Operating Income (TE) — 9,574
Applicable Income Taxes 2 1,955
Net Operating Income — 6,855
Net Income — 6,855
Cash Dividends Declared — 8,635
Retained Earnings — 2,197