Twin Oaks Savings Bank
Marseilles, IL — Domestic Branch of a Domestic Bank
Acquired Jan 2015
Net Income Analysis
( % relative to Total Revenue )
| Income Statement | Twin Oaks Savings Bank | All Insured Savings Banks in Illinois |
| Interest and Fees on Loans | 1,090 | 3,654 |
| Income from Lease Financing Receivables | — | 0 |
| — | 1 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | — | 1 |
| Income on Loans and Leases (TE) | 1,090 | 3,663 |
| Investment Interest Income (TE) | 604 | 767 |
| Total Interest Income (TE) | 1,717 | 4,647 |
| Total Interest Expense | 388 | 715 |
| Net Interest Income (TE) | 1,329 | 3,928 |
| Non-Interest Income | 163 | 1,110 |
| Adjusted Operating Income (TE) | 1,492 | 5,585 |
| Non-interest Expense | 1,611 | 4,445 |
| Provision for Loan & Lease Losses | 882 | 148 |
| Pretax Operating Income (TE) | -1,001 | 816 |
| Pretax Net Operating Income (TE) | -966 | 806 |
| Applicable Income Taxes | -470 | 225 |
| Net Operating Income | -496 | 526 |
| Net Income | -496 | 526 |
| Cash Dividends Declared | — | 22 |
| Retained Earnings | -496 | 438 |