Net Income Analysis ( % relative to Total Revenue )
Income Statement The Citizens Bank All Insured Commercial Banks in Kentucky
Interest and Fees on Loans 4,934 8,828
Income from Lease Financing Receivables — 2
44 44
Estimated Tax Benefit from Tax-Exempt Loan Income 23 22
Income on Loans and Leases (TE) 4,957 8,864
Investment Interest Income (TE) 330 1,656
Total Interest Income (TE) 5,333 10,728
Total Interest Expense 273 1,106
Net Interest Income (TE) 5,060 9,572
Non-Interest Income 923 2,231
Adjusted Operating Income (TE) 5,983 12,006
Non-interest Expense 4,950 8,402
Provision for Loan & Lease Losses 120 243
Pretax Operating Income (TE) 913 3,259
Pretax Net Operating Income (TE) 913 3,369
Applicable Income Taxes — 444
Net Operating Income 890 2,592
Net Income 890 2,592
Cash Dividends Declared 509 1,549
Retained Earnings 381 1,045