Net Income Analysis ( % relative to Total Revenue )
Income Statement Shelby County State Bank All Insured Commercial Banks in Illinois
Interest and Fees on Loans 6,481 8,415
Income from Lease Financing Receivables — 4
34 41
Estimated Tax Benefit from Tax-Exempt Loan Income 18 20
Income on Loans and Leases (TE) 6,499 8,470
Investment Interest Income (TE) 1,319 1,438
Total Interest Income (TE) 7,830 10,200
Total Interest Expense 538 1,041
Net Interest Income (TE) 7,292 9,113
Non-Interest Income 1,050 2,030
Adjusted Operating Income (TE) 8,342 11,316
Non-interest Expense 5,523 7,442
Provision for Loan & Lease Losses 120 307
Pretax Operating Income (TE) 2,699 3,453
Pretax Net Operating Income (TE) 2,728 3,554
Applicable Income Taxes 40 569
Net Operating Income 2,393 2,671
Net Income 2,393 2,670
Cash Dividends Declared 1,930 1,225
Retained Earnings 463 1,214