Net Income Analysis ( % relative to Total Revenue )
Income Statement The Heights Bank All Insured Commercial Banks in Illinois
Interest and Fees on Loans 2,185 7,691
Income from Lease Financing Receivables — 4
— 31
Estimated Tax Benefit from Tax-Exempt Loan Income — 10
Income on Loans and Leases (TE) 2,185 7,743
Investment Interest Income (TE) 25 1,476
Total Interest Income (TE) 2,220 9,455
Total Interest Expense 602 2,465
Net Interest Income (TE) 1,618 6,948
Non-Interest Income 156 1,303
Adjusted Operating Income (TE) 1,774 8,451
Non-interest Expense 925 5,806
Provision for Loan & Lease Losses — 1,909
Pretax Operating Income (TE) 849 732
Pretax Net Operating Income (TE) 849 865
Applicable Income Taxes 9 157
Net Operating Income 834 658
Net Income 834 638
Cash Dividends Declared 750 397
Retained Earnings 84 142