Net Income Analysis ( % relative to Total Revenue )
Income Statement Capital Bank All Insured Commercial Banks in North Carolina
Interest and Fees on Loans 11,110 8,526
Income from Lease Financing Receivables — 32
101 18
Estimated Tax Benefit from Tax-Exempt Loan Income — 3
Income on Loans and Leases (TE) 11,110 8,562
Investment Interest Income (TE) 1,148 1,099
Total Interest Income (TE) 12,335 9,941
Total Interest Expense 2,085 2,215
Net Interest Income (TE) 10,250 7,564
Non-Interest Income 1,258 1,978
Adjusted Operating Income (TE) 11,508 9,396
Non-interest Expense 12,214 7,436
Provision for Loan & Lease Losses 167 2,346
Pretax Operating Income (TE) -873 270
Pretax Net Operating Income (TE) -936 334
Applicable Income Taxes -486 138
Net Operating Income -450 181
Net Income -450 181
Cash Dividends Declared — 93
Retained Earnings -450 -273