Net Income Analysis ( % relative to Total Revenue )
Income Statement Embassy National Bank All Insured Commercial Banks in Georgia
Interest and Fees on Loans 4,920 8,444
Income from Lease Financing Receivables — 0
— 26
Estimated Tax Benefit from Tax-Exempt Loan Income — 12
Income on Loans and Leases (TE) 4,920 8,459
Investment Interest Income (TE) — 1,021
Total Interest Income (TE) 4,976 9,876
Total Interest Expense 504 962
Net Interest Income (TE) 4,472 8,907
Non-Interest Income 2,382 2,364
Adjusted Operating Income (TE) 6,854 11,707
Non-interest Expense 4,856 7,890
Provision for Loan & Lease Losses 35 260
Pretax Operating Income (TE) 1,963 3,396
Pretax Net Operating Income (TE) 1,963 3,480
Applicable Income Taxes — 748
Net Operating Income 1,963 2,812
Net Income 1,963 2,812
Cash Dividends Declared — 844
Retained Earnings 1,963 1,559