Net Income Analysis ( % relative to Total Revenue )
Income Statement Citizens Bank All Insured Commercial Banks in Georgia
Interest and Fees on Loans 1,095 5,880
Income from Lease Financing Receivables — 11,749
— 634
Estimated Tax Benefit from Tax-Exempt Loan Income — 342
Income on Loans and Leases (TE) 1,095 5,893
Investment Interest Income (TE) 294 829
Total Interest Income (TE) 1,444 6,400
Total Interest Expense 279 1,735
Net Interest Income (TE) 1,165 4,648
Non-Interest Income 239 972
Adjusted Operating Income (TE) 1,404 5,719
Non-interest Expense 1,096 3,320
Provision for Loan & Lease Losses — 865
Pretax Operating Income (TE) 308 9,773
Pretax Net Operating Income (TE) 308 9,734
Applicable Income Taxes 90 3,543
Net Operating Income 203 6,578
Net Income 203 6,578
Cash Dividends Declared 61 7,980
Retained Earnings 142 1,744