Net Income Analysis ( % relative to Total Revenue )
Income Statement St. Joseph Capital Bank All Insured Commercial Banks in Indiana
Interest and Fees on Loans 22,777 15,590
Income from Lease Financing Receivables 148 3,635
— 411
Estimated Tax Benefit from Tax-Exempt Loan Income — 210
Income on Loans and Leases (TE) 22,925 15,817
Investment Interest Income (TE) 3,456 3,896
Total Interest Income (TE) 26,803 19,247
Total Interest Expense 17,078 8,444
Net Interest Income (TE) 9,725 10,806
Non-Interest Income 995 3,054
Adjusted Operating Income (TE) 10,720 13,635
Non-interest Expense 6,989 8,732
Provision for Loan & Lease Losses — 1,291
Pretax Operating Income (TE) 4,048 8,013
Pretax Net Operating Income (TE) 4,057 7,983
Applicable Income Taxes 967 2,437
Net Operating Income 2,761 5,308
Net Income 2,761 4,975
Cash Dividends Declared — 4,521
Retained Earnings 2,761 1,874