Income Statement & Tree Analysis for First State Bank Of The South, Inc.

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Net Income Analysis ( % relative to Total Revenue )

Income Statement	First State Bank Of The South, Inc.	All Insured Commercial Banks in Alabama

Interest and Fees on Loans	2,016	8,354
Income from Lease Financing Receivables	—	0
	212	61
Estimated Tax Benefit from Tax-Exempt Loan Income	109	30
Income on Loans and Leases (TE)	2,125	8,404
Investment Interest Income (TE)	1,481	1,854
Total Interest Income (TE)	3,669	10,667
Total Interest Expense	327	1,209
Net Interest Income (TE)	3,342	9,419
Non-Interest Income	881	1,915
Adjusted Operating Income (TE)	4,223	11,331
Non-interest Expense	2,882	7,466
Provision for Loan & Lease Losses	6	339
Pretax Operating Income (TE)	1,335	3,581
Pretax Net Operating Income (TE)	1,335	3,690
Applicable Income Taxes	276	694
Net Operating Income	891	2,603
Net Income	891	2,603
Cash Dividends Declared	473	1,049
Retained Earnings	418	1,520

First State Bank Of The South, Inc.