Net Income Analysis ( % relative to Total Revenue )
Income Statement Morgantown Bank & Trust Company, Incorporated All Insured Commercial Banks in Kentucky
Interest and Fees on Loans 4,852 6,546
Income from Lease Financing Receivables — 1
36 32
Estimated Tax Benefit from Tax-Exempt Loan Income 17 16
Income on Loans and Leases (TE) 4,869 6,573
Investment Interest Income (TE) 505 1,255
Total Interest Income (TE) 5,401 7,978
Total Interest Expense 695 830
Net Interest Income (TE) 4,706 7,113
Non-Interest Income 938 1,685
Adjusted Operating Income (TE) 5,644 8,937
Non-interest Expense 4,423 6,223
Provision for Loan & Lease Losses — 166
Pretax Operating Income (TE) 1,221 2,467
Pretax Net Operating Income (TE) 1,221 2,576
Applicable Income Taxes 268 347
Net Operating Income 810 1,976
Net Income 810 1,976
Cash Dividends Declared 153 1,004
Retained Earnings 657 975