Net Income Analysis ( % relative to Total Revenue )
Income Statement F & M Bank And Trust Company All Insured Commercial Banks in Georgia
Interest and Fees on Loans 2,947 8,444
Income from Lease Financing Receivables — 0
— 26
Estimated Tax Benefit from Tax-Exempt Loan Income — 12
Income on Loans and Leases (TE) 2,947 8,459
Investment Interest Income (TE) 141 1,021
Total Interest Income (TE) 3,102 9,876
Total Interest Expense 477 962
Net Interest Income (TE) 2,625 8,907
Non-Interest Income 1,405 2,364
Adjusted Operating Income (TE) 4,030 11,707
Non-interest Expense 3,371 7,890
Provision for Loan & Lease Losses 30 260
Pretax Operating Income (TE) 629 3,396
Pretax Net Operating Income (TE) 650 3,480
Applicable Income Taxes — 748
Net Operating Income 650 2,812
Net Income 650 2,812
Cash Dividends Declared — 844
Retained Earnings 650 1,559