Net Income Analysis ( % relative to Total Revenue )
Income Statement Citizens Bank All Insured Commercial Banks in Tennessee
Interest and Fees on Loans 9,049 12,197
Income from Lease Financing Receivables — 0
— 25
Estimated Tax Benefit from Tax-Exempt Loan Income — 12
Income on Loans and Leases (TE) 9,049 12,231
Investment Interest Income (TE) 511 1,544
Total Interest Income (TE) 9,604 14,034
Total Interest Expense 1,250 1,553
Net Interest Income (TE) 8,354 12,478
Non-Interest Income 948 2,901
Adjusted Operating Income (TE) 9,302 15,672
Non-interest Expense 5,354 10,334
Provision for Loan & Lease Losses 215 317
Pretax Operating Income (TE) 3,733 4,962
Pretax Net Operating Income (TE) 3,733 5,007
Applicable Income Taxes 1,386 1,069
Net Operating Income 2,347 3,589
Net Income 2,347 3,593
Cash Dividends Declared 340 1,505
Retained Earnings 2,007 1,960