Net Income Analysis ( % relative to Total Revenue )
Income Statement Cb&S Bank, Inc. All Insured Commercial Banks in Alabama
Interest and Fees on Loans 29,751 8,354
Income from Lease Financing Receivables 4 0
59 61
Estimated Tax Benefit from Tax-Exempt Loan Income 31 30
Income on Loans and Leases (TE) 29,786 8,404
Investment Interest Income (TE) 28,404 1,854
Total Interest Income (TE) 58,609 10,667
Total Interest Expense 7,121 1,209
Net Interest Income (TE) 51,488 9,419
Non-Interest Income 14,601 1,915
Adjusted Operating Income (TE) 66,089 11,331
Non-interest Expense 45,166 7,466
Provision for Loan & Lease Losses 1,002 339
Pretax Operating Income (TE) 19,921 3,581
Pretax Net Operating Income (TE) 20,091 3,690
Applicable Income Taxes 1,486 694
Net Operating Income 13,030 2,603
Net Income 13,030 2,603
Cash Dividends Declared 1,300 1,049
Retained Earnings 11,730 1,520