Net Income Analysis ( % relative to Total Revenue )
Income Statement Dekalb Community Bank All Insured Commercial Banks in Tennessee
Interest and Fees on Loans 1,466 2,058
Income from Lease Financing Receivables — 538
7 44
Estimated Tax Benefit from Tax-Exempt Loan Income 4 20
Income on Loans and Leases (TE) 1,470 2,063
Investment Interest Income (TE) 160 364
Total Interest Income (TE) 1,671 2,498
Total Interest Expense 635 738
Net Interest Income (TE) 1,036 1,750
Non-Interest Income 219 394
Adjusted Operating Income (TE) 1,255 2,156
Non-interest Expense 709 1,376
Provision for Loan & Lease Losses 134 333
Pretax Operating Income (TE) 412 3,589
Pretax Net Operating Income (TE) 412 3,545
Applicable Income Taxes 144 1,197
Net Operating Income 254 2,365
Net Income 254 2,365
Cash Dividends Declared — 1,272
Retained Earnings 254 2,114