Net Income Analysis ( % relative to Total Revenue )
Income Statement Integrity Bank All Insured Commercial Banks in Georgia
Interest and Fees on Loans 17,967 5,891
Income from Lease Financing Receivables — —
— 855
Estimated Tax Benefit from Tax-Exempt Loan Income — 543
Income on Loans and Leases (TE) 17,967 5,911
Investment Interest Income (TE) 3,412 780
Total Interest Income (TE) 23,102 6,607
Total Interest Expense 27,385 3,301
Net Interest Income (TE) — 3,477
Non-Interest Income 540 1,311
Adjusted Operating Income (TE) — 4,327
Non-interest Expense 13,710 3,192
Provision for Loan & Lease Losses 1,470 5,307
Pretax Operating Income (TE) — 6,084
Pretax Net Operating Income (TE) — 8,544
Applicable Income Taxes 15,394 3,244
Net Operating Income — 5,799
Net Income — 5,827
Cash Dividends Declared — 6,080
Retained Earnings — 2,295