The State Bank Of Geneva
Geneva, IL — State Member Bank
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Net Income Analysis
( % relative to Total Revenue )
| Income Statement | The State Bank Of Geneva | All Insured Commercial Banks in Illinois |
| Interest and Fees on Loans | 1,929 | 8,415 |
| Income from Lease Financing Receivables | — | 4 |
| — | 41 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | — | 20 |
| Income on Loans and Leases (TE) | 1,929 | 8,470 |
| Investment Interest Income (TE) | 365 | 1,438 |
| Total Interest Income (TE) | 2,388 | 10,200 |
| Total Interest Expense | 230 | 1,041 |
| Net Interest Income (TE) | 2,158 | 9,113 |
| Non-Interest Income | 795 | 2,030 |
| Adjusted Operating Income (TE) | 2,953 | 11,316 |
| Non-interest Expense | 3,409 | 7,442 |
| Provision for Loan & Lease Losses | — | 307 |
| Pretax Operating Income (TE) | -456 | 3,453 |
| Pretax Net Operating Income (TE) | -416 | 3,554 |
| Applicable Income Taxes | — | 569 |
| Net Operating Income | -416 | 2,671 |
| Net Income | -416 | 2,670 |
| Cash Dividends Declared | — | 1,225 |
| Retained Earnings | -416 | 1,214 |