First Citizens Bank
Talladega, AL — Domestic Branch of a Domestic Bank
Acquired May 2005
Net Income Analysis
( % relative to Total Revenue )
Income Statement | First Citizens Bank | All Insured Commercial Banks in Alabama |
Interest and Fees on Loans | 812 | 1,920 |
Income from Lease Financing Receivables | 47 | 4,902 |
14 | 55 | |
Estimated Tax Benefit from Tax-Exempt Loan Income | 6 | 29 |
Income on Loans and Leases (TE) | 865 | 1,928 |
Investment Interest Income (TE) | 494 | 551 |
Total Interest Income (TE) | 1,383 | 2,404 |
Total Interest Expense | 329 | 799 |
Net Interest Income (TE) | 1,054 | 1,649 |
Non-Interest Income | 234 | 338 |
Adjusted Operating Income (TE) | 1,288 | 1,971 |
Non-interest Expense | 589 | 1,136 |
Provision for Loan & Lease Losses | — | 809 |
Pretax Operating Income (TE) | 699 | 853 |
Pretax Net Operating Income (TE) | 699 | 947 |
Applicable Income Taxes | 178 | 1,894 |
Net Operating Income | 479 | 640 |
Net Income | 479 | 640 |
Cash Dividends Declared | 400 | 3,826 |
Retained Earnings | 79 | 2,854 |