Net Income Analysis ( % relative to Total Revenue )
Income Statement Community Spirit Bank All Insured Commercial Banks in Alabama
Interest and Fees on Loans 4,184 6,171
Income from Lease Financing Receivables — 0
82 45
Estimated Tax Benefit from Tax-Exempt Loan Income 40 22
Income on Loans and Leases (TE) 4,224 6,208
Investment Interest Income (TE) 562 1,394
Total Interest Income (TE) 4,843 7,911
Total Interest Expense 466 896
Net Interest Income (TE) 4,377 6,985
Non-Interest Income 771 1,452
Adjusted Operating Income (TE) 5,148 8,441
Non-interest Expense 3,824 5,558
Provision for Loan & Lease Losses 197 263
Pretax Operating Income (TE) 1,127 2,672
Pretax Net Operating Income (TE) 1,199 2,777
Applicable Income Taxes 251 524
Net Operating Income 766 1,948
Net Income 766 1,948
Cash Dividends Declared 450 591
Retained Earnings 316 1,289