Flora Savings Bank
Flora, IL — State Savings Bank
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Net Income Analysis
( % relative to Total Revenue )
| Income Statement | Flora Savings Bank | All Insured Savings Banks in Illinois |
| Interest and Fees on Loans | 1,078 | 5,067 |
| Income from Lease Financing Receivables | — | 0 |
| 15 | 2 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | 8 | 1 |
| Income on Loans and Leases (TE) | 1,086 | 5,073 |
| Investment Interest Income (TE) | 182 | 1,029 |
| Total Interest Income (TE) | 1,272 | 6,337 |
| Total Interest Expense | 262 | 904 |
| Net Interest Income (TE) | 1,010 | 5,429 |
| Non-Interest Income | -1 | 3,055 |
| Adjusted Operating Income (TE) | 1,009 | 8,828 |
| Non-interest Expense | 820 | 7,573 |
| Provision for Loan & Lease Losses | 5 | 66 |
| Pretax Operating Income (TE) | 184 | 1,294 |
| Pretax Net Operating Income (TE) | 184 | 1,344 |
| Applicable Income Taxes | 25 | 387 |
| Net Operating Income | 125 | 898 |
| Net Income | 125 | 898 |
| Cash Dividends Declared | — | 115 |
| Retained Earnings | 125 | 662 |