Net Income Analysis ( % relative to Total Revenue )
Income Statement Spring Valley City Bank All Insured Commercial Banks in Illinois
Interest and Fees on Loans 3,926 8,415
Income from Lease Financing Receivables — 4
42 41
Estimated Tax Benefit from Tax-Exempt Loan Income 21 20
Income on Loans and Leases (TE) 3,947 8,470
Investment Interest Income (TE) 2,652 1,438
Total Interest Income (TE) 6,700 10,200
Total Interest Expense 832 1,041
Net Interest Income (TE) 5,868 9,113
Non-Interest Income 603 2,030
Adjusted Operating Income (TE) 6,471 11,316
Non-interest Expense 3,607 7,442
Provision for Loan & Lease Losses — 307
Pretax Operating Income (TE) 2,864 3,453
Pretax Net Operating Income (TE) 2,864 3,554
Applicable Income Taxes 673 569
Net Operating Income 1,815 2,671
Net Income 1,815 2,670
Cash Dividends Declared 1,685 1,225
Retained Earnings 130 1,214