First National Community Bank
Chatsworth, GA — National Bank
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Net Income Analysis
( % relative to Total Revenue )
| Income Statement | First National Community Bank | All Insured Commercial Banks in Georgia |
| Interest and Fees on Loans | 4,972 | 8,444 |
| Income from Lease Financing Receivables | — | 0 |
| 5 | 26 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | 3 | 12 |
| Income on Loans and Leases (TE) | 4,975 | 8,459 |
| Investment Interest Income (TE) | 368 | 1,021 |
| Total Interest Income (TE) | 5,451 | 9,876 |
| Total Interest Expense | 247 | 962 |
| Net Interest Income (TE) | 5,204 | 8,907 |
| Non-Interest Income | 1,381 | 2,364 |
| Adjusted Operating Income (TE) | 6,585 | 11,707 |
| Non-interest Expense | 4,535 | 7,890 |
| Provision for Loan & Lease Losses | -428 | 260 |
| Pretax Operating Income (TE) | 2,478 | 3,396 |
| Pretax Net Operating Income (TE) | 2,481 | 3,480 |
| Applicable Income Taxes | 906 | 748 |
| Net Operating Income | 1,570 | 2,812 |
| Net Income | 1,570 | 2,812 |
| Cash Dividends Declared | — | 844 |
| Retained Earnings | 1,570 | 1,559 |