Net Income Analysis ( % relative to Total Revenue )
Income Statement Decatur First Bank All Insured Commercial Banks in Georgia
Interest and Fees on Loans 4,333 5,708
Income from Lease Financing Receivables — 0
— 17
Estimated Tax Benefit from Tax-Exempt Loan Income — 4
Income on Loans and Leases (TE) 4,333 5,715
Investment Interest Income (TE) 1,099 803
Total Interest Income (TE) 5,489 6,572
Total Interest Expense 1,886 1,754
Net Interest Income (TE) 3,603 4,806
Non-Interest Income -1,088 906
Adjusted Operating Income (TE) 2,515 5,893
Non-interest Expense 5,200 4,684
Provision for Loan & Lease Losses 2,647 1,517
Pretax Operating Income (TE) -5,332 -165
Pretax Net Operating Income (TE) -5,146 45
Applicable Income Taxes — 116
Net Operating Income -5,146 -80
Net Income -5,146 -86
Cash Dividends Declared — 29
Retained Earnings -5,146 -163