Net Income Analysis ( % relative to Total Revenue )
Income Statement Teutopolis State Bank All Insured Commercial Banks in Illinois
Interest and Fees on Loans 5,186 8,415
Income from Lease Financing Receivables — 4
52 41
Estimated Tax Benefit from Tax-Exempt Loan Income 27 20
Income on Loans and Leases (TE) 5,213 8,470
Investment Interest Income (TE) 1,765 1,438
Total Interest Income (TE) 7,125 10,200
Total Interest Expense 788 1,041
Net Interest Income (TE) 6,337 9,113
Non-Interest Income 748 2,030
Adjusted Operating Income (TE) 7,085 11,316
Non-interest Expense 3,212 7,442
Provision for Loan & Lease Losses 100 307
Pretax Operating Income (TE) 3,773 3,453
Pretax Net Operating Income (TE) 3,823 3,554
Applicable Income Taxes 1,087 569
Net Operating Income 2,409 2,671
Net Income 2,409 2,670
Cash Dividends Declared 1,110 1,225
Retained Earnings 1,299 1,214