Net Income Analysis ( % relative to Total Revenue )
Income Statement Cumberland County Bank All Insured Commercial Banks in Tennessee
Interest and Fees on Loans 1,555 2,851
Income from Lease Financing Receivables — 0
— 6
Estimated Tax Benefit from Tax-Exempt Loan Income — 3
Income on Loans and Leases (TE) 1,555 2,859
Investment Interest Income (TE) 277 387
Total Interest Income (TE) 1,897 3,317
Total Interest Expense 187 363
Net Interest Income (TE) 1,710 2,953
Non-Interest Income 492 650
Adjusted Operating Income (TE) 2,202 3,665
Non-interest Expense 1,619 2,443
Provision for Loan & Lease Losses 65 64
Pretax Operating Income (TE) 518 1,139
Pretax Net Operating Income (TE) 518 1,159
Applicable Income Taxes 38 240
Net Operating Income 480 844
Net Income 480 843
Cash Dividends Declared 343 291
Retained Earnings 137 517