Net Income Analysis ( % relative to Total Revenue )
Income Statement Phenix-Girard Bank All Insured Commercial Banks in Alabama
Interest and Fees on Loans 2,741 6,171
Income from Lease Financing Receivables — 0
— 45
Estimated Tax Benefit from Tax-Exempt Loan Income — 22
Income on Loans and Leases (TE) 2,741 6,208
Investment Interest Income (TE) 1,463 1,394
Total Interest Income (TE) 4,335 7,911
Total Interest Expense 635 896
Net Interest Income (TE) 3,700 6,985
Non-Interest Income 1,998 1,452
Adjusted Operating Income (TE) 5,698 8,441
Non-interest Expense 3,912 5,558
Provision for Loan & Lease Losses 175 263
Pretax Operating Income (TE) 1,611 2,672
Pretax Net Operating Income (TE) 1,611 2,777
Applicable Income Taxes 108 524
Net Operating Income 1,488 1,948
Net Income 1,488 1,948
Cash Dividends Declared 1,066 591
Retained Earnings 422 1,289