Net Income Analysis ( % relative to Total Revenue )
Income Statement Home Banking Company All Insured Commercial Banks in Tennessee
Interest and Fees on Loans 2,379 12,197
Income from Lease Financing Receivables — 0
22 25
Estimated Tax Benefit from Tax-Exempt Loan Income 11 12
Income on Loans and Leases (TE) 2,390 12,231
Investment Interest Income (TE) 969 1,544
Total Interest Income (TE) 3,497 14,034
Total Interest Expense 259 1,553
Net Interest Income (TE) 3,238 12,478
Non-Interest Income 453 2,901
Adjusted Operating Income (TE) 3,691 15,672
Non-interest Expense 3,090 10,334
Provision for Loan & Lease Losses 11 317
Pretax Operating Income (TE) 590 4,962
Pretax Net Operating Income (TE) 677 5,007
Applicable Income Taxes 189 1,069
Net Operating Income 443 3,589
Net Income 443 3,593
Cash Dividends Declared 30 1,505
Retained Earnings 413 1,960