Net Income Analysis ( % relative to Total Revenue )
Income Statement Riverbank All Insured Commercial Banks in Wisconsin
Interest and Fees on Loans 12,563 6,060
Income from Lease Financing Receivables — 1
114 46
Estimated Tax Benefit from Tax-Exempt Loan Income — 21
Income on Loans and Leases (TE) 12,563 6,091
Investment Interest Income (TE) 767 872
Total Interest Income (TE) 13,423 7,077
Total Interest Expense 3,448 1,564
Net Interest Income (TE) 9,975 5,479
Non-Interest Income 3,171 953
Adjusted Operating Income (TE) 13,146 6,572
Non-interest Expense 19,479 4,034
Provision for Loan & Lease Losses 4,094 770
Pretax Operating Income (TE) -10,427 1,652
Pretax Net Operating Income (TE) -10,427 1,694
Applicable Income Taxes — 260
Net Operating Income -10,427 1,233
Net Income -10,427 1,233
Cash Dividends Declared — 366
Retained Earnings -10,427 759