Net Income Analysis ( % relative to Total Revenue )
Income Statement Skylands Community Bank All Insured Commercial Banks in New Jersey
Interest and Fees on Loans 37,791 13,176
Income from Lease Financing Receivables 307 14
86 10
Estimated Tax Benefit from Tax-Exempt Loan Income — 3
Income on Loans and Leases (TE) 38,098 13,201
Investment Interest Income (TE) 6,308 2,151
Total Interest Income (TE) 44,557 15,549
Total Interest Expense 6,442 3,195
Net Interest Income (TE) 38,115 12,246
Non-Interest Income 6,616 3,367
Adjusted Operating Income (TE) 44,731 17,263
Non-interest Expense 24,361 12,166
Provision for Loan & Lease Losses 21,155 2,043
Pretax Operating Income (TE) -785 2,543
Pretax Net Operating Income (TE) -427 2,676
Applicable Income Taxes -19 700
Net Operating Income -408 1,822
Net Income -408 1,807
Cash Dividends Declared 2,150 495
Retained Earnings -2,558 934