Net Income Analysis ( % relative to Total Revenue )
Income Statement The Elberfeld State Bank All Insured Commercial Banks in Indiana
Interest and Fees on Loans 2,321 17,558
Income from Lease Financing Receivables — 63
4 140
Estimated Tax Benefit from Tax-Exempt Loan Income 2 73
Income on Loans and Leases (TE) 2,323 17,832
Investment Interest Income (TE) 441 2,939
Total Interest Income (TE) 2,856 21,400
Total Interest Expense 303 2,125
Net Interest Income (TE) 2,553 19,222
Non-Interest Income 549 5,497
Adjusted Operating Income (TE) 3,102 24,709
Non-interest Expense 2,276 15,248
Provision for Loan & Lease Losses 90 481
Pretax Operating Income (TE) 736 8,741
Pretax Net Operating Income (TE) 755 8,865
Applicable Income Taxes 191 2,204
Net Operating Income 515 6,062
Net Income 515 6,062
Cash Dividends Declared 119 3,093
Retained Earnings 396 2,557