Net Income Analysis ( % relative to Total Revenue )
Net Income 18,389,000131.67%Net Operating Income4,297,00030.77%Total Operating Income13,966,000100.00%Non-Interest Income13,966,000100.00%Total Operating Expenses9,669,00069.23%Total Interest Expense6,421,00045.98%Provision for Loan & Lease Losses3,248,00023.26%Applicable Income Taxes10,167,00072.80%,,,
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Income Statement National Bank Of Commerce All Insured Commercial Banks in Alabama
Interest and Fees on Loans 71,225 8,354
Income from Lease Financing Receivables — 0
42 61
Estimated Tax Benefit from Tax-Exempt Loan Income 23 30
Income on Loans and Leases (TE) 71,248 8,404
Investment Interest Income (TE) 2,647 1,854
Total Interest Income (TE) 75,007 10,667
Total Interest Expense 6,421 1,209
Net Interest Income (TE) 68,586 9,419
Non-Interest Income 13,966 1,915
Adjusted Operating Income (TE) 82,552 11,331
Non-interest Expense 48,730 7,466
Provision for Loan & Lease Losses 3,248 339
Pretax Operating Income (TE) 30,574 3,581
Pretax Net Operating Income (TE) 30,574 3,690
Applicable Income Taxes 10,167 694
Net Operating Income 19,953 2,603
Net Income 18,389 2,603
Cash Dividends Declared — 1,049
Retained Earnings 18,389 1,520