Net Income Analysis ( % relative to Total Revenue )
Income Statement Pioneer Bank All Insured Commercial Banks in Wisconsin
Interest and Fees on Loans 5,402 8,778
Income from Lease Financing Receivables — 1
19 81
Estimated Tax Benefit from Tax-Exempt Loan Income 10 41
Income on Loans and Leases (TE) 5,412 8,830
Investment Interest Income (TE) 249 1,225
Total Interest Income (TE) 5,704 10,297
Total Interest Expense 242 1,031
Net Interest Income (TE) 5,462 9,193
Non-Interest Income 565 1,813
Adjusted Operating Income (TE) 6,027 11,079
Non-interest Expense 5,141 6,946
Provision for Loan & Lease Losses 105 167
Pretax Operating Income (TE) 781 3,889
Pretax Net Operating Income (TE) 781 3,922
Applicable Income Taxes 229 705
Net Operating Income 498 3,014
Net Income 498 3,013
Cash Dividends Declared — 1,435
Retained Earnings 498 1,350