Net Income Analysis ( % relative to Total Revenue )
Income Statement Riverside Bank All Insured Commercial Banks in New York
Interest and Fees on Loans 7,383 30,381
Income from Lease Financing Receivables — 39
— 39
Estimated Tax Benefit from Tax-Exempt Loan Income — 17
Income on Loans and Leases (TE) 7,383 30,522
Investment Interest Income (TE) 146 5,221
Total Interest Income (TE) 7,529 37,935
Total Interest Expense 806 5,298
Net Interest Income (TE) 6,723 32,495
Non-Interest Income 542 10,840
Adjusted Operating Income (TE) 7,265 46,436
Non-interest Expense 4,134 30,615
Provision for Loan & Lease Losses 630 741
Pretax Operating Income (TE) 2,501 12,127
Pretax Net Operating Income (TE) 2,503 12,100
Applicable Income Taxes 912 3,925
Net Operating Income 1,584 7,570
Net Income 1,584 7,598
Cash Dividends Declared — 2,264
Retained Earnings 1,584 4,011