The First National Bank Of Grayson
Grayson, KY — National Bank
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Net Income Analysis
( % relative to Total Revenue )
| Income Statement | The First National Bank Of Grayson | All Insured Commercial Banks in Kentucky |
| Interest and Fees on Loans | 8,008 | 8,828 |
| Income from Lease Financing Receivables | — | 2 |
| 41 | 44 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | 21 | 22 |
| Income on Loans and Leases (TE) | 8,029 | 8,864 |
| Investment Interest Income (TE) | 863 | 1,656 |
| Total Interest Income (TE) | 9,050 | 10,728 |
| Total Interest Expense | 405 | 1,106 |
| Net Interest Income (TE) | 8,645 | 9,572 |
| Non-Interest Income | 3,286 | 2,231 |
| Adjusted Operating Income (TE) | 11,931 | 12,006 |
| Non-interest Expense | 7,637 | 8,402 |
| Provision for Loan & Lease Losses | 418 | 243 |
| Pretax Operating Income (TE) | 3,876 | 3,259 |
| Pretax Net Operating Income (TE) | 3,884 | 3,369 |
| Applicable Income Taxes | 1,275 | 444 |
| Net Operating Income | 2,556 | 2,592 |
| Net Income | 2,556 | 2,592 |
| Cash Dividends Declared | 2,263 | 1,549 |
| Retained Earnings | 293 | 1,045 |