Net Income Analysis ( % relative to Total Revenue )
Income Statement Citizens Tri-County Bank All Insured Commercial Banks in Tennessee
Interest and Fees on Loans 26,148 12,197
Income from Lease Financing Receivables — 0
160 25
Estimated Tax Benefit from Tax-Exempt Loan Income 86 12
Income on Loans and Leases (TE) 26,234 12,231
Investment Interest Income (TE) 6,797 1,544
Total Interest Income (TE) 33,227 14,034
Total Interest Expense 3,307 1,553
Net Interest Income (TE) 29,920 12,478
Non-Interest Income 6,985 2,901
Adjusted Operating Income (TE) 36,905 15,672
Non-interest Expense 21,850 10,334
Provision for Loan & Lease Losses 1,184 317
Pretax Operating Income (TE) 13,871 4,962
Pretax Net Operating Income (TE) 13,917 5,007
Applicable Income Taxes 722 1,069
Net Operating Income 11,699 3,589
Net Income 11,699 3,593
Cash Dividends Declared 9,500 1,505
Retained Earnings 2,199 1,960