Citizens First Bank
Viroqua, WI — Non-member Bank
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Net Income Analysis
( % relative to Total Revenue )
| Income Statement | Citizens First Bank | All Insured Commercial Banks in Wisconsin |
| Interest and Fees on Loans | 7,176 | 8,778 |
| Income from Lease Financing Receivables | — | 1 |
| 172 | 81 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | 89 | 41 |
| Income on Loans and Leases (TE) | 7,265 | 8,830 |
| Investment Interest Income (TE) | 815 | 1,225 |
| Total Interest Income (TE) | 8,129 | 10,297 |
| Total Interest Expense | 847 | 1,031 |
| Net Interest Income (TE) | 7,282 | 9,193 |
| Non-Interest Income | 1,039 | 1,813 |
| Adjusted Operating Income (TE) | 8,321 | 11,079 |
| Non-interest Expense | 5,804 | 6,946 |
| Provision for Loan & Lease Losses | 30 | 167 |
| Pretax Operating Income (TE) | 2,487 | 3,889 |
| Pretax Net Operating Income (TE) | 2,529 | 3,922 |
| Applicable Income Taxes | 7 | 705 |
| Net Operating Income | 2,266 | 3,014 |
| Net Income | 2,266 | 3,013 |
| Cash Dividends Declared | 1,250 | 1,435 |
| Retained Earnings | 1,016 | 1,350 |