Net Income Analysis ( % relative to Total Revenue )
Income Statement The Citizens Bank All Insured Commercial Banks in Kentucky
Interest and Fees on Loans 4,402 8,828
Income from Lease Financing Receivables — 2
2 44
Estimated Tax Benefit from Tax-Exempt Loan Income 1 22
Income on Loans and Leases (TE) 4,403 8,864
Investment Interest Income (TE) 915 1,656
Total Interest Income (TE) 5,397 10,728
Total Interest Expense 775 1,106
Net Interest Income (TE) 4,622 9,572
Non-Interest Income 644 2,231
Adjusted Operating Income (TE) 5,266 12,006
Non-interest Expense 3,246 8,402
Provision for Loan & Lease Losses 420 243
Pretax Operating Income (TE) 1,600 3,259
Pretax Net Operating Income (TE) 1,600 3,369
Applicable Income Taxes — 444
Net Operating Income 1,407 2,592
Net Income 1,407 2,592
Cash Dividends Declared 455 1,549
Retained Earnings 952 1,045