Net Income Analysis ( % relative to Total Revenue )
Income Statement Citizens' Bank, Inc. All Insured Commercial Banks in Alabama
Interest and Fees on Loans 3,545 8,354
Income from Lease Financing Receivables — 0
— 61
Estimated Tax Benefit from Tax-Exempt Loan Income — 30
Income on Loans and Leases (TE) 3,545 8,404
Investment Interest Income (TE) 475 1,854
Total Interest Income (TE) 4,060 10,667
Total Interest Expense 207 1,209
Net Interest Income (TE) 3,853 9,419
Non-Interest Income 643 1,915
Adjusted Operating Income (TE) 4,496 11,331
Non-interest Expense 3,804 7,466
Provision for Loan & Lease Losses — 339
Pretax Operating Income (TE) 692 3,581
Pretax Net Operating Income (TE) 735 3,690
Applicable Income Taxes -32 694
Net Operating Income 727 2,603
Net Income 727 2,603
Cash Dividends Declared 17 1,049
Retained Earnings 710 1,520