The Peoples Bank
Ripley, MS — Non-member Bank
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Net Income Analysis
( % relative to Total Revenue )
| Income Statement | The Peoples Bank | All Insured Commercial Banks in Mississippi |
| Interest and Fees on Loans | 7,912 | 17,253 |
| Income from Lease Financing Receivables | — | 3 |
| 17 | 26 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | 8 | 13 |
| Income on Loans and Leases (TE) | 7,920 | 17,289 |
| Investment Interest Income (TE) | 6,139 | 2,808 |
| Total Interest Income (TE) | 14,094 | 20,209 |
| Total Interest Expense | 2,460 | 1,763 |
| Net Interest Income (TE) | 11,634 | 18,449 |
| Non-Interest Income | 4,842 | 5,757 |
| Adjusted Operating Income (TE) | 16,476 | 24,205 |
| Non-interest Expense | 9,247 | 16,370 |
| Provision for Loan & Lease Losses | 626 | 563 |
| Pretax Operating Income (TE) | 6,603 | 7,204 |
| Pretax Net Operating Income (TE) | 6,603 | 7,253 |
| Applicable Income Taxes | 1,247 | 1,422 |
| Net Operating Income | 4,419 | 5,177 |
| Net Income | 4,419 | 5,177 |
| Cash Dividends Declared | 3,269 | 2,913 |
| Retained Earnings | 1,150 | 1,357 |