The Bank Of Carbondale
Carbondale, IL — Non-member Bank
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Net Income Analysis
( % relative to Total Revenue )
| Income Statement | The Bank Of Carbondale | All Insured Commercial Banks in Illinois |
| Interest and Fees on Loans | 6,684 | 8,415 |
| Income from Lease Financing Receivables | — | 4 |
| — | 41 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | — | 20 |
| Income on Loans and Leases (TE) | 6,684 | 8,470 |
| Investment Interest Income (TE) | 1,383 | 1,438 |
| Total Interest Income (TE) | 8,104 | 10,200 |
| Total Interest Expense | 718 | 1,041 |
| Net Interest Income (TE) | 7,386 | 9,113 |
| Non-Interest Income | 1,215 | 2,030 |
| Adjusted Operating Income (TE) | 8,601 | 11,316 |
| Non-interest Expense | 4,951 | 7,442 |
| Provision for Loan & Lease Losses | 90 | 307 |
| Pretax Operating Income (TE) | 3,560 | 3,453 |
| Pretax Net Operating Income (TE) | 3,570 | 3,554 |
| Applicable Income Taxes | 930 | 569 |
| Net Operating Income | 2,354 | 2,671 |
| Net Income | 2,354 | 2,670 |
| Cash Dividends Declared | 1,405 | 1,225 |
| Retained Earnings | 949 | 1,214 |