Net Income Analysis ( % relative to Total Revenue )
Income Statement The Citizens State Bank, Liberal, Kansas All Insured Commercial Banks in Kansas
Interest and Fees on Loans 789 1,533
Income from Lease Financing Receivables — 59
— 38
Estimated Tax Benefit from Tax-Exempt Loan Income — 19
Income on Loans and Leases (TE) 789 1,550
Investment Interest Income (TE) 597 410
Total Interest Income (TE) 1,399 2,019
Total Interest Expense 267 534
Net Interest Income (TE) 1,132 1,476
Non-Interest Income 195 310
Adjusted Operating Income (TE) 1,327 1,819
Non-interest Expense 1,014 1,150
Provision for Loan & Lease Losses 200 268
Pretax Operating Income (TE) 113 781
Pretax Net Operating Income (TE) 131 822
Applicable Income Taxes 10 271
Net Operating Income 96 614
Net Income 96 614
Cash Dividends Declared — 636
Retained Earnings 96 455