First Southern National Bank
Lancaster, KY — National Bank
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Net Income Analysis
( % relative to Total Revenue )
| Income Statement | First Southern National Bank | All Insured Commercial Banks in Kentucky |
| Interest and Fees on Loans | 28,847 | 8,828 |
| Income from Lease Financing Receivables | — | 2 |
| 265 | 44 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | 140 | 22 |
| Income on Loans and Leases (TE) | 28,987 | 8,864 |
| Investment Interest Income (TE) | 3,786 | 1,656 |
| Total Interest Income (TE) | 33,337 | 10,728 |
| Total Interest Expense | 1,503 | 1,106 |
| Net Interest Income (TE) | 31,834 | 9,572 |
| Non-Interest Income | 6,205 | 2,231 |
| Adjusted Operating Income (TE) | 38,039 | 12,006 |
| Non-interest Expense | 26,054 | 8,402 |
| Provision for Loan & Lease Losses | 1,216 | 243 |
| Pretax Operating Income (TE) | 10,769 | 3,259 |
| Pretax Net Operating Income (TE) | 10,962 | 3,369 |
| Applicable Income Taxes | 3,331 | 444 |
| Net Operating Income | 7,200 | 2,592 |
| Net Income | 7,200 | 2,592 |
| Cash Dividends Declared | 4,000 | 1,549 |
| Retained Earnings | 3,200 | 1,045 |