Citizens State Bank
Lena, IL — Non-member Bank
Active
Net Income Analysis
( % relative to Total Revenue )
| Income Statement | Citizens State Bank | All Insured Commercial Banks in Illinois |
| Interest and Fees on Loans | 8,240 | 8,415 |
| Income from Lease Financing Receivables | 135 | 4 |
| 10 | 41 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | 5 | 20 |
| Income on Loans and Leases (TE) | 8,380 | 8,470 |
| Investment Interest Income (TE) | 1,235 | 1,438 |
| Total Interest Income (TE) | 9,650 | 10,200 |
| Total Interest Expense | 1,053 | 1,041 |
| Net Interest Income (TE) | 8,597 | 9,113 |
| Non-Interest Income | 1,321 | 2,030 |
| Adjusted Operating Income (TE) | 9,918 | 11,316 |
| Non-interest Expense | 5,805 | 7,442 |
| Provision for Loan & Lease Losses | — | 307 |
| Pretax Operating Income (TE) | 4,113 | 3,453 |
| Pretax Net Operating Income (TE) | 4,121 | 3,554 |
| Applicable Income Taxes | 57 | 569 |
| Net Operating Income | 3,803 | 2,671 |
| Net Income | 3,803 | 2,670 |
| Cash Dividends Declared | 2,047 | 1,225 |
| Retained Earnings | 1,756 | 1,214 |