First Southern Bank
Carbondale, IL — Domestic Branch of a Domestic Bank
Acquired Aug 2014
Net Income Analysis
( % relative to Total Revenue )
Income Statement | First Southern Bank | All Insured Commercial Banks in Illinois |
Interest and Fees on Loans | 4,071 | 3,593 |
Income from Lease Financing Receivables | — | 1 |
108 | 16 | |
Estimated Tax Benefit from Tax-Exempt Loan Income | 56 | 8 |
Income on Loans and Leases (TE) | 4,127 | 3,623 |
Investment Interest Income (TE) | 1,024 | 741 |
Total Interest Income (TE) | 5,155 | 4,473 |
Total Interest Expense | 472 | 477 |
Net Interest Income (TE) | 4,683 | 3,962 |
Non-Interest Income | 457 | 755 |
Adjusted Operating Income (TE) | 5,140 | 4,805 |
Non-interest Expense | 3,183 | 3,254 |
Provision for Loan & Lease Losses | — | 144 |
Pretax Operating Income (TE) | 1,957 | 1,336 |
Pretax Net Operating Income (TE) | 1,977 | 1,362 |
Applicable Income Taxes | 509 | 207 |
Net Operating Income | 1,186 | 1,006 |
Net Income | 1,186 | 1,008 |
Cash Dividends Declared | 1,592 | 355 |
Retained Earnings | -406 | 509 |