Net Income Analysis ( % relative to Total Revenue )
Income Statement Ubank All Insured Commercial Banks in Tennessee
Interest and Fees on Loans 2,611 12,197
Income from Lease Financing Receivables — 0
12 25
Estimated Tax Benefit from Tax-Exempt Loan Income 6 12
Income on Loans and Leases (TE) 2,617 12,231
Investment Interest Income (TE) 514 1,544
Total Interest Income (TE) 3,137 14,034
Total Interest Expense 302 1,553
Net Interest Income (TE) 2,835 12,478
Non-Interest Income 487 2,901
Adjusted Operating Income (TE) 3,322 15,672
Non-interest Expense 2,307 10,334
Provision for Loan & Lease Losses 136 317
Pretax Operating Income (TE) 879 4,962
Pretax Net Operating Income (TE) 903 5,007
Applicable Income Taxes 30 1,069
Net Operating Income 765 3,589
Net Income 765 3,593
Cash Dividends Declared 565 1,505
Retained Earnings 200 1,960