The Harvard State Bank
Harvard, IL — Non-member Bank
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Net Income Analysis
( % relative to Total Revenue )
Income Statement | The Harvard State Bank | All Insured Commercial Banks in Illinois |
Interest and Fees on Loans | 6,358 | 8,415 |
Income from Lease Financing Receivables | — | 4 |
38 | 41 | |
Estimated Tax Benefit from Tax-Exempt Loan Income | 19 | 20 |
Income on Loans and Leases (TE) | 6,377 | 8,470 |
Investment Interest Income (TE) | 1,884 | 1,438 |
Total Interest Income (TE) | 8,339 | 10,200 |
Total Interest Expense | 619 | 1,041 |
Net Interest Income (TE) | 7,720 | 9,113 |
Non-Interest Income | 1,345 | 2,030 |
Adjusted Operating Income (TE) | 9,065 | 11,316 |
Non-interest Expense | 6,605 | 7,442 |
Provision for Loan & Lease Losses | 339 | 307 |
Pretax Operating Income (TE) | 2,121 | 3,453 |
Pretax Net Operating Income (TE) | 2,319 | 3,554 |
Applicable Income Taxes | 26 | 569 |
Net Operating Income | 1,953 | 2,671 |
Net Income | 1,953 | 2,670 |
Cash Dividends Declared | 868 | 1,225 |
Retained Earnings | 1,085 | 1,214 |