Citizens Deposit Bank & Trust
Vanceburg, KY — Non-member Bank
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Net Income Analysis
( % relative to Total Revenue )
Income Statement | Citizens Deposit Bank & Trust | All Insured Commercial Banks in Kentucky |
Interest and Fees on Loans | 13,137 | 8,828 |
Income from Lease Financing Receivables | — | 2 |
38 | 44 | |
Estimated Tax Benefit from Tax-Exempt Loan Income | 18 | 22 |
Income on Loans and Leases (TE) | 13,155 | 8,864 |
Investment Interest Income (TE) | 1,972 | 1,656 |
Total Interest Income (TE) | 15,277 | 10,728 |
Total Interest Expense | 932 | 1,106 |
Net Interest Income (TE) | 14,345 | 9,572 |
Non-Interest Income | 2,818 | 2,231 |
Adjusted Operating Income (TE) | 17,163 | 12,006 |
Non-interest Expense | 9,615 | 8,402 |
Provision for Loan & Lease Losses | 540 | 243 |
Pretax Operating Income (TE) | 7,008 | 3,259 |
Pretax Net Operating Income (TE) | 7,008 | 3,369 |
Applicable Income Taxes | 2,436 | 444 |
Net Operating Income | 4,547 | 2,592 |
Net Income | 4,547 | 2,592 |
Cash Dividends Declared | 3,425 | 1,549 |
Retained Earnings | 1,122 | 1,045 |