The First National Bank Of Waynesboro
Waynesboro, GA — National Bank
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Net Income Analysis
( % relative to Total Revenue )
| Income Statement | The First National Bank Of Waynesboro | All Insured Commercial Banks in Georgia |
| Interest and Fees on Loans | 4,653 | 8,444 |
| Income from Lease Financing Receivables | — | 0 |
| — | 26 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | — | 12 |
| Income on Loans and Leases (TE) | 4,653 | 8,459 |
| Investment Interest Income (TE) | 819 | 1,021 |
| Total Interest Income (TE) | 5,559 | 9,876 |
| Total Interest Expense | 420 | 962 |
| Net Interest Income (TE) | 5,139 | 8,907 |
| Non-Interest Income | 1,496 | 2,364 |
| Adjusted Operating Income (TE) | 6,635 | 11,707 |
| Non-interest Expense | 4,162 | 7,890 |
| Provision for Loan & Lease Losses | 164 | 260 |
| Pretax Operating Income (TE) | 2,309 | 3,396 |
| Pretax Net Operating Income (TE) | 2,488 | 3,480 |
| Applicable Income Taxes | 701 | 748 |
| Net Operating Income | 1,551 | 2,812 |
| Net Income | 1,551 | 2,812 |
| Cash Dividends Declared | 302 | 844 |
| Retained Earnings | 1,249 | 1,559 |