Net Income Analysis ( % relative to Total Revenue )
Income Statement Farmers State Bank & Trust Co. All Insured Commercial Banks in Illinois
Interest and Fees on Loans 3,061 8,415
Income from Lease Financing Receivables — 4
13 41
Estimated Tax Benefit from Tax-Exempt Loan Income 5 20
Income on Loans and Leases (TE) 3,066 8,470
Investment Interest Income (TE) 450 1,438
Total Interest Income (TE) 3,527 10,200
Total Interest Expense 442 1,041
Net Interest Income (TE) 3,085 9,113
Non-Interest Income 430 2,030
Adjusted Operating Income (TE) 3,515 11,316
Non-interest Expense 2,384 7,442
Provision for Loan & Lease Losses — 307
Pretax Operating Income (TE) 1,131 3,453
Pretax Net Operating Income (TE) 1,163 3,554
Applicable Income Taxes 342 569
Net Operating Income 734 2,671
Net Income 734 2,670
Cash Dividends Declared 412 1,225
Retained Earnings 322 1,214