St. Charles Bank & Trust Company
Saint Charles, IL — State Member Bank
Acquired Nov 2006
Net Income Analysis
( % relative to Total Revenue )
Income Statement | St. Charles Bank & Trust Company | All Insured Commercial Banks in Illinois |
Interest and Fees on Loans | 28,325 | 8,415 |
Income from Lease Financing Receivables | — | 4 |
31 | 41 | |
Estimated Tax Benefit from Tax-Exempt Loan Income | 14 | 20 |
Income on Loans and Leases (TE) | 28,339 | 8,470 |
Investment Interest Income (TE) | 2,102 | 1,438 |
Total Interest Income (TE) | 30,803 | 10,200 |
Total Interest Expense | 3,509 | 1,041 |
Net Interest Income (TE) | 27,294 | 9,113 |
Non-Interest Income | 2,588 | 2,030 |
Adjusted Operating Income (TE) | 29,882 | 11,316 |
Non-interest Expense | 17,345 | 7,442 |
Provision for Loan & Lease Losses | -48 | 307 |
Pretax Operating Income (TE) | 12,585 | 3,453 |
Pretax Net Operating Income (TE) | 12,634 | 3,554 |
Applicable Income Taxes | 4,736 | 569 |
Net Operating Income | 7,762 | 2,671 |
Net Income | 7,762 | 2,670 |
Cash Dividends Declared | — | 1,225 |
Retained Earnings | 7,762 | 1,214 |