Net Income Analysis ( % relative to Total Revenue )
Income Statement The First National Bank Of Athens All Insured Commercial Banks in Texas
Interest and Fees on Loans 1,465 1,314
Income from Lease Financing Receivables — 266
48 36
Estimated Tax Benefit from Tax-Exempt Loan Income 23 18
Income on Loans and Leases (TE) 1,488 1,324
Investment Interest Income (TE) 448 423
Total Interest Income (TE) 2,167 1,739
Total Interest Expense 522 413
Net Interest Income (TE) 1,645 1,316
Non-Interest Income 521 366
Adjusted Operating Income (TE) 2,166 1,687
Non-interest Expense 1,685 1,080
Provision for Loan & Lease Losses 45 150
Pretax Operating Income (TE) 436 1,228
Pretax Net Operating Income (TE) 436 1,220
Applicable Income Taxes — 518
Net Operating Income 412 894
Net Income 412 894
Cash Dividends Declared — 589
Retained Earnings 412 736