First Main Street Bank, National Association
Longmont, CO — Domestic Branch of a Domestic Bank
Acquired Oct 2005
Net Income Analysis
( % relative to Total Revenue )
| Income Statement | First Main Street Bank, National Association | All Insured Commercial Banks in Colorado |
| Interest and Fees on Loans | 12,767 | 7,146 |
| Income from Lease Financing Receivables | 199 | 92 |
| 204 | 68 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | 99 | 34 |
| Income on Loans and Leases (TE) | 13,065 | 7,176 |
| Investment Interest Income (TE) | 2,528 | 1,945 |
| Total Interest Income (TE) | 15,979 | 7,671 |
| Total Interest Expense | 3,578 | 1,957 |
| Net Interest Income (TE) | 12,401 | 5,650 |
| Non-Interest Income | 2,595 | 1,436 |
| Adjusted Operating Income (TE) | 14,996 | 7,014 |
| Non-interest Expense | 9,549 | 4,111 |
| Provision for Loan & Lease Losses | 1,600 | 419 |
| Pretax Operating Income (TE) | 3,847 | 3,797 |
| Pretax Net Operating Income (TE) | 3,863 | 3,814 |
| Applicable Income Taxes | 902 | 1,364 |
| Net Operating Income | 2,560 | 2,635 |
| Net Income | 2,560 | 2,635 |
| Cash Dividends Declared | 1,050 | 1,581 |
| Retained Earnings | 1,510 | 1,613 |