State Bank & Trust
Winfield, AL — Non-member Bank
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Net Income Analysis
( % relative to Total Revenue )
Income Statement | State Bank & Trust | All Insured Commercial Banks in Alabama |
Interest and Fees on Loans | 4,020 | 6,171 |
Income from Lease Financing Receivables | — | 0 |
192 | 45 | |
Estimated Tax Benefit from Tax-Exempt Loan Income | 99 | 22 |
Income on Loans and Leases (TE) | 4,119 | 6,208 |
Investment Interest Income (TE) | 2,468 | 1,394 |
Total Interest Income (TE) | 6,593 | 7,911 |
Total Interest Expense | 2,135 | 896 |
Net Interest Income (TE) | 4,458 | 6,985 |
Non-Interest Income | 1,370 | 1,452 |
Adjusted Operating Income (TE) | 5,828 | 8,441 |
Non-interest Expense | 3,451 | 5,558 |
Provision for Loan & Lease Losses | 515 | 263 |
Pretax Operating Income (TE) | 1,862 | 2,672 |
Pretax Net Operating Income (TE) | 2,116 | 2,777 |
Applicable Income Taxes | 102 | 524 |
Net Operating Income | 1,835 | 1,948 |
Net Income | 1,835 | 1,948 |
Cash Dividends Declared | 889 | 591 |
Retained Earnings | 946 | 1,289 |