1St National Bank
Lebanon, OH — National Bank
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Net Income Analysis
( % relative to Total Revenue )
| Income Statement | 1St National Bank | All Insured Commercial Banks in Ohio |
| Interest and Fees on Loans | 4,455 | 11,386 |
| Income from Lease Financing Receivables | — | 4 |
| 3 | 64 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | 2 | 32 |
| Income on Loans and Leases (TE) | 4,457 | 11,434 |
| Investment Interest Income (TE) | 579 | 1,894 |
| Total Interest Income (TE) | 5,169 | 13,519 |
| Total Interest Expense | 819 | 1,284 |
| Net Interest Income (TE) | 4,350 | 12,235 |
| Non-Interest Income | 5,412 | 3,344 |
| Adjusted Operating Income (TE) | 9,762 | 15,563 |
| Non-interest Expense | 8,187 | 10,269 |
| Provision for Loan & Lease Losses | 78 | 364 |
| Pretax Operating Income (TE) | 1,497 | 4,973 |
| Pretax Net Operating Income (TE) | 1,497 | 5,081 |
| Applicable Income Taxes | — | 1,163 |
| Net Operating Income | 1,355 | 3,580 |
| Net Income | 1,355 | 3,580 |
| Cash Dividends Declared | 890 | 1,534 |
| Retained Earnings | 465 | 1,881 |