My finance view

First Clover Leaf Financial Corp. of Edwardsville said its fourth-quarter earnings fell as revenue declined. The bank holding company’s revenue comes from net interest income and other income.

However, earnings for the entire year were strong, as both net interest income and other income rose sharply.

Last year was the first full year of operations for the bank holding company, formed by the merger of First Federal Financial Services Inc payday loan. and Clover Leaf Bank. Growth in net income was attributed to the increase in loans and investments after the merger along with growth in commercial loans after the merger.

— JERRI STROUD

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