Net Income Analysis ( % relative to Total Revenue )
Income Statement State Bank Of Niantic All Insured Commercial Banks in Illinois
Interest and Fees on Loans 941 5,493
Income from Lease Financing Receivables — 2
11 24
Estimated Tax Benefit from Tax-Exempt Loan Income 6 12
Income on Loans and Leases (TE) 947 5,540
Investment Interest Income (TE) 285 1,113
Total Interest Income (TE) 1,275 6,817
Total Interest Expense 109 720
Net Interest Income (TE) 1,166 6,048
Non-Interest Income 200 1,202
Adjusted Operating Income (TE) 1,366 7,348
Non-interest Expense 1,249 4,967
Provision for Loan & Lease Losses 25 220
Pretax Operating Income (TE) 92 2,099
Pretax Net Operating Income (TE) 92 2,145
Applicable Income Taxes — 334
Net Operating Income 80 1,596
Net Income 80 1,598
Cash Dividends Declared — 525
Retained Earnings 80 843