Google Adsense

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Hi everyone. I joined google adsense with my bukisa account.In my google adsense reports,I couldn't make out anything how much I earn and all.I read the google adsense basiscs,yet couldn't understand it.Please do explain how CTR plays a role in calculating the income earned.I read somewhere ctr should be less than 10% or else google will ban us for fraud.is ctr just a fraud checking term or does it play in calculating income. (2)Where can I see my earning earned.I just see a column saying estimated earnings.Is that real amount I earned till now or will it change depending on my impressions and ctr. (3)How can I know which keyword has earned me that money for an ad click.