Citizens Bank & Trust
Guntersville, AL — Non-member Bank
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Net Income Analysis
( % relative to Total Revenue )
Income Statement | Citizens Bank & Trust | All Insured Commercial Banks in Alabama |
Interest and Fees on Loans | 13,285 | 8,354 |
Income from Lease Financing Receivables | — | 0 |
115 | 61 | |
Estimated Tax Benefit from Tax-Exempt Loan Income | 59 | 30 |
Income on Loans and Leases (TE) | 13,344 | 8,404 |
Investment Interest Income (TE) | 2,848 | 1,854 |
Total Interest Income (TE) | 16,290 | 10,667 |
Total Interest Expense | 1,775 | 1,209 |
Net Interest Income (TE) | 14,515 | 9,419 |
Non-Interest Income | 2,616 | 1,915 |
Adjusted Operating Income (TE) | 17,131 | 11,331 |
Non-interest Expense | 11,872 | 7,466 |
Provision for Loan & Lease Losses | 1,260 | 339 |
Pretax Operating Income (TE) | 3,999 | 3,581 |
Pretax Net Operating Income (TE) | 4,213 | 3,690 |
Applicable Income Taxes | 445 | 694 |
Net Operating Income | 3,131 | 2,603 |
Net Income | 3,131 | 2,603 |
Cash Dividends Declared | 818 | 1,049 |
Retained Earnings | 2,313 | 1,520 |