Southern First Bank
Greenville, SC — Non-member Bank
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Net Income Analysis
( % relative to Total Revenue )
Income Statement | Southern First Bank | All Insured Commercial Banks in South Carolina |
Interest and Fees on Loans | 49,579 | 12,539 |
Income from Lease Financing Receivables | — | 0 |
— | 22 | |
Estimated Tax Benefit from Tax-Exempt Loan Income | — | 11 |
Income on Loans and Leases (TE) | 49,579 | 12,587 |
Investment Interest Income (TE) | 1,744 | 1,927 |
Total Interest Income (TE) | 51,733 | 14,719 |
Total Interest Expense | 7,792 | 1,274 |
Net Interest Income (TE) | 43,941 | 13,414 |
Non-Interest Income | 9,159 | 3,571 |
Adjusted Operating Income (TE) | 53,100 | 16,851 |
Non-interest Expense | 29,942 | 12,305 |
Provision for Loan & Lease Losses | 2,300 | 445 |
Pretax Operating Income (TE) | 20,858 | 4,224 |
Pretax Net Operating Income (TE) | 21,289 | 4,344 |
Applicable Income Taxes | 7,504 | 1,192 |
Net Operating Income | 13,507 | 2,936 |
Net Income | 13,507 | 2,936 |
Cash Dividends Declared | — | 1,017 |
Retained Earnings | 13,507 | 1,790 |