The First National Bank Of Lerna
Lerna, IL — Domestic Branch of a Domestic Bank
Acquired Jan 2005
Net Income Analysis
( % relative to Total Revenue )
| Income Statement | The First National Bank Of Lerna | All Insured Commercial Banks in Illinois |
| Interest and Fees on Loans | 257 | 6,357 |
| Income from Lease Financing Receivables | — | 1,620 |
| — | 161 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | — | 85 |
| Income on Loans and Leases (TE) | 257 | 6,426 |
| Investment Interest Income (TE) | 254 | 1,506 |
| Total Interest Income (TE) | 514 | 8,166 |
| Total Interest Expense | 81 | 2,360 |
| Net Interest Income (TE) | 433 | 5,774 |
| Non-Interest Income | 77 | 1,126 |
| Adjusted Operating Income (TE) | 510 | 6,982 |
| Non-interest Expense | 320 | 4,170 |
| Provision for Loan & Lease Losses | — | 1,036 |
| Pretax Operating Income (TE) | 190 | 4,672 |
| Pretax Net Operating Income (TE) | 190 | 4,423 |
| Applicable Income Taxes | 10 | 2,343 |
| Net Operating Income | 125 | 2,895 |
| Net Income | 125 | 2,895 |
| Cash Dividends Declared | — | 2,847 |
| Retained Earnings | 125 | 3,611 |