Net Income Analysis ( % relative to Total Revenue )
Income Statement Hyden Citizens Bank All Insured Commercial Banks in Kentucky
Interest and Fees on Loans 2,864 6,546
Income from Lease Financing Receivables — 1
2 32
Estimated Tax Benefit from Tax-Exempt Loan Income 1 16
Income on Loans and Leases (TE) 2,865 6,573
Investment Interest Income (TE) 1,211 1,255
Total Interest Income (TE) 4,124 7,978
Total Interest Expense 452 830
Net Interest Income (TE) 3,672 7,113
Non-Interest Income 524 1,685
Adjusted Operating Income (TE) 4,196 8,937
Non-interest Expense 3,030 6,223
Provision for Loan & Lease Losses 141 166
Pretax Operating Income (TE) 1,025 2,467
Pretax Net Operating Income (TE) 1,171 2,576
Applicable Income Taxes — 347
Net Operating Income 952 1,976
Net Income 952 1,976
Cash Dividends Declared 728 1,004
Retained Earnings 224 975