Net Income Analysis ( % relative to Total Revenue )
Income Statement Tompkins Trust Company All Insured Commercial Banks in New York
Interest and Fees on Loans 32,780 35,323
Income from Lease Financing Receivables 327 21
1,229 86
Estimated Tax Benefit from Tax-Exempt Loan Income 645 39
Income on Loans and Leases (TE) 33,752 35,615
Investment Interest Income (TE) 10,511 5,820
Total Interest Income (TE) 44,773 44,196
Total Interest Expense 4,596 5,278
Net Interest Income (TE) 40,177 38,608
Non-Interest Income 41,197 9,112
Adjusted Operating Income (TE) 81,374 54,454
Non-interest Expense 54,192 33,757
Provision for Loan & Lease Losses 178 1,439
Pretax Operating Income (TE) 27,004 17,987
Pretax Net Operating Income (TE) 27,411 18,652
Applicable Income Taxes 8,745 6,225
Net Operating Income 17,804 11,609
Net Income 17,713 11,608
Cash Dividends Declared 17,584 1,753
Retained Earnings 129 5,838