Net Income Analysis ( % relative to Total Revenue )
Income Statement Stratford State Bank All Insured Commercial Banks in Wisconsin
Interest and Fees on Loans 2,552 8,778
Income from Lease Financing Receivables — 1
44 81
Estimated Tax Benefit from Tax-Exempt Loan Income 23 41
Income on Loans and Leases (TE) 2,575 8,830
Investment Interest Income (TE) 1,115 1,225
Total Interest Income (TE) 3,797 10,297
Total Interest Expense 504 1,031
Net Interest Income (TE) 3,293 9,193
Non-Interest Income 369 1,813
Adjusted Operating Income (TE) 3,662 11,079
Non-interest Expense 2,329 6,946
Provision for Loan & Lease Losses 65 167
Pretax Operating Income (TE) 1,268 3,889
Pretax Net Operating Income (TE) 1,268 3,922
Applicable Income Taxes 301 705
Net Operating Income 719 3,014
Net Income 719 3,013
Cash Dividends Declared 329 1,435
Retained Earnings 390 1,350