Troy Bank & Trust Company
Troy, AL — Non-member Bank
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Net Income Analysis
( % relative to Total Revenue )
| Income Statement | Troy Bank & Trust Company | All Insured Commercial Banks in Alabama |
| Interest and Fees on Loans | 24,484 | 8,354 |
| Income from Lease Financing Receivables | — | 0 |
| 324 | 61 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | 161 | 30 |
| Income on Loans and Leases (TE) | 24,645 | 8,404 |
| Investment Interest Income (TE) | 8,553 | 1,854 |
| Total Interest Income (TE) | 33,453 | 10,667 |
| Total Interest Expense | 5,151 | 1,209 |
| Net Interest Income (TE) | 28,302 | 9,419 |
| Non-Interest Income | 4,662 | 1,915 |
| Adjusted Operating Income (TE) | 32,964 | 11,331 |
| Non-interest Expense | 21,346 | 7,466 |
| Provision for Loan & Lease Losses | 1,043 | 339 |
| Pretax Operating Income (TE) | 10,575 | 3,581 |
| Pretax Net Operating Income (TE) | 11,221 | 3,690 |
| Applicable Income Taxes | 1,770 | 694 |
| Net Operating Income | 7,608 | 2,603 |
| Net Income | 7,608 | 2,603 |
| Cash Dividends Declared | 2,023 | 1,049 |
| Retained Earnings | 5,585 | 1,520 |