Net Income Analysis ( % relative to Total Revenue )
Income Statement Oakland Deposit Bank All Insured Commercial Banks in Tennessee
Interest and Fees on Loans 2,350 5,517
Income from Lease Financing Receivables — 1,053
— 72
Estimated Tax Benefit from Tax-Exempt Loan Income — 31
Income on Loans and Leases (TE) 2,350 5,528
Investment Interest Income (TE) 102 1,001
Total Interest Income (TE) 2,538 6,586
Total Interest Expense 1,404 2,449
Net Interest Income (TE) 1,134 4,139
Non-Interest Income 162 1,106
Adjusted Operating Income (TE) 1,296 5,075
Non-interest Expense 2,267 3,791
Provision for Loan & Lease Losses 3,255 6,708
Pretax Operating Income (TE) — 1,403
Pretax Net Operating Income (TE) — 1,437
Applicable Income Taxes — 302
Net Operating Income — 1,050
Net Income — 1,053
Cash Dividends Declared — 903
Retained Earnings — 769