Net Income Analysis ( % relative to Total Revenue )
Income Statement Cornerstone Community Bank All Insured Commercial Banks in Tennessee
Interest and Fees on Loans 6,876 10,606
Income from Lease Financing Receivables 3 0
15 22
Estimated Tax Benefit from Tax-Exempt Loan Income 7 11
Income on Loans and Leases (TE) 6,886 10,636
Investment Interest Income (TE) 340 1,516
Total Interest Income (TE) 7,277 12,399
Total Interest Expense 461 1,340
Net Interest Income (TE) 6,816 11,051
Non-Interest Income 773 2,450
Adjusted Operating Income (TE) 7,589 13,723
Non-interest Expense 4,344 9,222
Provision for Loan & Lease Losses 565 311
Pretax Operating Income (TE) 2,680 3,991
Pretax Net Operating Income (TE) 2,680 4,051
Applicable Income Taxes 1,030 817
Net Operating Income 1,632 2,957
Net Income 1,632 2,956
Cash Dividends Declared — 1,305
Retained Earnings 1,632 1,401