Net Income Analysis ( % relative to Total Revenue )
Income Statement Citizens Bank & Trust, Inc. All Insured Savings Banks in Georgia
Interest and Fees on Loans 4,192 10,880
Income from Lease Financing Receivables — 0
— 30
Estimated Tax Benefit from Tax-Exempt Loan Income — 14
Income on Loans and Leases (TE) 4,192 10,894
Investment Interest Income (TE) 754 811
Total Interest Income (TE) 4,950 11,878
Total Interest Expense 355 1,414
Net Interest Income (TE) 4,595 10,464
Non-Interest Income 799 6,681
Adjusted Operating Income (TE) 5,394 17,145
Non-interest Expense 3,374 13,365
Provision for Loan & Lease Losses 252 -7
Pretax Operating Income (TE) 1,768 3,786
Pretax Net Operating Income (TE) 1,771 3,792
Applicable Income Taxes 514 837
Net Operating Income 1,096 2,926
Net Income 1,096 2,926
Cash Dividends Declared 500 5,321
Retained Earnings 596 -2,395