Net Income Analysis ( % relative to Total Revenue )
Income Statement United Community Bank Tennessee All Insured Commercial Banks in Tennessee
Interest and Fees on Loans 3,445 2,455
Income from Lease Financing Receivables — 420
— 21
Estimated Tax Benefit from Tax-Exempt Loan Income — 10
Income on Loans and Leases (TE) 3,445 2,460
Investment Interest Income (TE) 530 403
Total Interest Income (TE) 4,603 2,964
Total Interest Expense 2,116 1,127
Net Interest Income (TE) 2,487 1,831
Non-Interest Income 410 400
Adjusted Operating Income (TE) 2,897 2,254
Non-interest Expense 1,875 1,445
Provision for Loan & Lease Losses 152 262
Pretax Operating Income (TE) 870 1,597
Pretax Net Operating Income (TE) 834 1,103
Applicable Income Taxes 301 262
Net Operating Income 524 825
Net Income 524 2,146
Cash Dividends Declared — 4,489
Retained Earnings 524 556