Net Income Analysis ( % relative to Total Revenue )
Income Statement American Trust Bank Of East Tennessee All Insured Commercial Banks in Tennessee
Interest and Fees on Loans 4,048 8,883
Income from Lease Financing Receivables — 0
5 19
Estimated Tax Benefit from Tax-Exempt Loan Income 3 9
Income on Loans and Leases (TE) 4,051 8,908
Investment Interest Income (TE) 316 1,135
Total Interest Income (TE) 4,446 10,234
Total Interest Expense 544 1,137
Net Interest Income (TE) 3,902 9,096
Non-Interest Income 315 2,162
Adjusted Operating Income (TE) 4,217 11,472
Non-interest Expense 3,103 7,520
Provision for Loan & Lease Losses -1,030 215
Pretax Operating Income (TE) 2,144 3,692
Pretax Net Operating Income (TE) 2,158 3,744
Applicable Income Taxes 702 807
Net Operating Income 1,367 2,681
Net Income 1,367 2,682
Cash Dividends Declared — 1,004
Retained Earnings 1,367 1,557