Net Income Analysis ( % relative to Total Revenue )
Income Statement Farmers State Bank Of Somonauk All Insured Commercial Banks in Illinois
Interest and Fees on Loans 3,557 3,473
Income from Lease Financing Receivables 6 1,001
23 79
Estimated Tax Benefit from Tax-Exempt Loan Income 11 41
Income on Loans and Leases (TE) 3,574 3,510
Investment Interest Income (TE) 2,127 818
Total Interest Income (TE) 5,769 4,411
Total Interest Expense 1,819 1,441
Net Interest Income (TE) 3,950 2,971
Non-Interest Income 613 559
Adjusted Operating Income (TE) 4,563 3,560
Non-interest Expense 2,754 2,120
Provision for Loan & Lease Losses 126 309
Pretax Operating Income (TE) 1,683 1,984
Pretax Net Operating Income (TE) 1,696 1,996
Applicable Income Taxes 209 1,752
Net Operating Income 1,082 1,377
Net Income 1,082 1,377
Cash Dividends Declared — 1,561
Retained Earnings 1,082 2,741