Net Income Analysis ( % relative to Total Revenue )
Income Statement Citizen's Bank All Insured Commercial Banks in Tennessee
Interest and Fees on Loans 26,521 12,197
Income from Lease Financing Receivables — 0
159 25
Estimated Tax Benefit from Tax-Exempt Loan Income 81 12
Income on Loans and Leases (TE) 26,602 12,231
Investment Interest Income (TE) 8,828 1,544
Total Interest Income (TE) 35,662 14,034
Total Interest Expense 5,125 1,553
Net Interest Income (TE) 30,537 12,478
Non-Interest Income 5,968 2,901
Adjusted Operating Income (TE) 36,505 15,672
Non-interest Expense 20,460 10,334
Provision for Loan & Lease Losses 1,477 317
Pretax Operating Income (TE) 14,568 4,962
Pretax Net Operating Income (TE) 14,560 5,007
Applicable Income Taxes 3,411 1,069
Net Operating Income 9,188 3,589
Net Income 9,188 3,593
Cash Dividends Declared 2,660 1,505
Retained Earnings 6,528 1,960