First Federal Bank Of Ohio
Galion, OH — Savings & Loan Association
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Net Income Analysis
( % relative to Total Revenue )
| Income Statement | First Federal Bank Of Ohio | All Insured Savings Banks in Ohio |
| Interest and Fees on Loans | 5,072 | 8,135 |
| Income from Lease Financing Receivables | — | 0 |
| — | 0 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | — | 0 |
| Income on Loans and Leases (TE) | 5,072 | 8,138 |
| Investment Interest Income (TE) | 1,367 | 715 |
| Total Interest Income (TE) | 6,722 | 9,195 |
| Total Interest Expense | 1,255 | 1,353 |
| Net Interest Income (TE) | 5,467 | 7,724 |
| Non-Interest Income | 1,350 | 2,631 |
| Adjusted Operating Income (TE) | 6,817 | 12,066 |
| Non-interest Expense | 6,522 | 8,142 |
| Provision for Loan & Lease Losses | 98 | 82 |
| Pretax Operating Income (TE) | 197 | 3,132 |
| Pretax Net Operating Income (TE) | 215 | 3,181 |
| Applicable Income Taxes | -12 | 581 |
| Net Operating Income | 186 | 2,413 |
| Net Income | 186 | 2,411 |
| Cash Dividends Declared | — | 1,481 |
| Retained Earnings | 186 | 881 |