Net Income Analysis ( % relative to Total Revenue )
Income Statement Citizens Community Bank All Insured Commercial Banks in Tennessee
Interest and Fees on Loans 9,704 12,197
Income from Lease Financing Receivables — 0
69 25
Estimated Tax Benefit from Tax-Exempt Loan Income 36 12
Income on Loans and Leases (TE) 9,740 12,231
Investment Interest Income (TE) 997 1,544
Total Interest Income (TE) 10,803 14,034
Total Interest Expense 733 1,553
Net Interest Income (TE) 10,070 12,478
Non-Interest Income 684 2,901
Adjusted Operating Income (TE) 10,754 15,672
Non-interest Expense 4,936 10,334
Provision for Loan & Lease Losses 250 317
Pretax Operating Income (TE) 5,568 4,962
Pretax Net Operating Income (TE) 5,569 5,007
Applicable Income Taxes 1,856 1,069
Net Operating Income 3,491 3,589
Net Income 3,491 3,593
Cash Dividends Declared 1,836 1,505
Retained Earnings 1,655 1,960