Net Income Analysis ( % relative to Total Revenue )
Income Statement Surety Bank All Insured Commercial Banks in Florida
Interest and Fees on Loans 3,142 17,732
Income from Lease Financing Receivables — 0
— 43
Estimated Tax Benefit from Tax-Exempt Loan Income — 22
Income on Loans and Leases (TE) 3,142 17,770
Investment Interest Income (TE) 1,100 2,218
Total Interest Income (TE) 4,257 20,559
Total Interest Expense 559 2,162
Net Interest Income (TE) 3,698 18,272
Non-Interest Income 1,250 3,794
Adjusted Operating Income (TE) 4,948 22,711
Non-interest Expense 3,177 16,000
Provision for Loan & Lease Losses — 402
Pretax Operating Income (TE) 1,771 6,153
Pretax Net Operating Income (TE) 1,774 6,294
Applicable Income Taxes — 1,702
Net Operating Income 1,494 4,381
Net Income 1,494 4,381
Cash Dividends Declared 1,409 1,082
Retained Earnings 85 2,782