Citizens Savings Bank And Trust Company
Saint Johnsbury, VT — Domestic Branch of a Domestic Bank
Acquired May 2003
Net Income Analysis
( % relative to Total Revenue )
Income Statement | Citizens Savings Bank And Trust Company | All Insured Commercial Banks in Vermont |
Interest and Fees on Loans | 1,351 | 3,934 |
Income from Lease Financing Receivables | — | 464 |
3 | 46 | |
Estimated Tax Benefit from Tax-Exempt Loan Income | 1 | 24 |
Income on Loans and Leases (TE) | 1,352 | 4,012 |
Investment Interest Income (TE) | 230 | 1,270 |
Total Interest Income (TE) | 1,611 | 5,344 |
Total Interest Expense | 467 | 1,250 |
Net Interest Income (TE) | 1,144 | 4,094 |
Non-Interest Income | 208 | 1,316 |
Adjusted Operating Income (TE) | 1,352 | 5,410 |
Non-interest Expense | 1,046 | 3,151 |
Provision for Loan & Lease Losses | 21 | 135 |
Pretax Operating Income (TE) | 285 | 2,467 |
Pretax Net Operating Income (TE) | 285 | 2,566 |
Applicable Income Taxes | 89 | 786 |
Net Operating Income | 188 | 1,731 |
Net Income | 188 | 1,731 |
Cash Dividends Declared | 330 | 2,293 |
Retained Earnings | — | 402 |