Central State Bank
Calera, AL — State Member Bank
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Net Income Analysis
( % relative to Total Revenue )
Income Statement | Central State Bank | All Insured Commercial Banks in Alabama |
Interest and Fees on Loans | 7,023 | 6,171 |
Income from Lease Financing Receivables | — | 0 |
15 | 45 | |
Estimated Tax Benefit from Tax-Exempt Loan Income | 8 | 22 |
Income on Loans and Leases (TE) | 7,031 | 6,208 |
Investment Interest Income (TE) | 797 | 1,394 |
Total Interest Income (TE) | 7,888 | 7,911 |
Total Interest Expense | 720 | 896 |
Net Interest Income (TE) | 7,168 | 6,985 |
Non-Interest Income | 1,285 | 1,452 |
Adjusted Operating Income (TE) | 8,453 | 8,441 |
Non-interest Expense | 5,467 | 5,558 |
Provision for Loan & Lease Losses | 305 | 263 |
Pretax Operating Income (TE) | 2,681 | 2,672 |
Pretax Net Operating Income (TE) | 2,683 | 2,777 |
Applicable Income Taxes | 186 | 524 |
Net Operating Income | 2,328 | 1,948 |
Net Income | 2,328 | 1,948 |
Cash Dividends Declared | 1,216 | 591 |
Retained Earnings | 1,112 | 1,289 |