Net Income Analysis ( % relative to Total Revenue )
Income Statement The Gerber State Bank All Insured Commercial Banks in Illinois
Interest and Fees on Loans 1,404 8,415
Income from Lease Financing Receivables — 4
63 41
Estimated Tax Benefit from Tax-Exempt Loan Income 27 20
Income on Loans and Leases (TE) 1,431 8,470
Investment Interest Income (TE) 874 1,438
Total Interest Income (TE) 2,403 10,200
Total Interest Expense 292 1,041
Net Interest Income (TE) 2,111 9,113
Non-Interest Income 210 2,030
Adjusted Operating Income (TE) 2,321 11,316
Non-interest Expense 1,646 7,442
Provision for Loan & Lease Losses 71 307
Pretax Operating Income (TE) 604 3,453
Pretax Net Operating Income (TE) 607 3,554
Applicable Income Taxes 2 569
Net Operating Income 495 2,671
Net Income 495 2,670
Cash Dividends Declared 168 1,225
Retained Earnings 327 1,214