First State Bank
Winchester, OH — Non-member Bank
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Net Income Analysis
( % relative to Total Revenue )
Income Statement | First State Bank | All Insured Commercial Banks in Ohio |
Interest and Fees on Loans | 11,871 | 11,386 |
Income from Lease Financing Receivables | — | 4 |
232 | 64 | |
Estimated Tax Benefit from Tax-Exempt Loan Income | 109 | 32 |
Income on Loans and Leases (TE) | 11,980 | 11,434 |
Investment Interest Income (TE) | 3,541 | 1,894 |
Total Interest Income (TE) | 15,644 | 13,519 |
Total Interest Expense | 1,651 | 1,284 |
Net Interest Income (TE) | 13,993 | 12,235 |
Non-Interest Income | 2,803 | 3,344 |
Adjusted Operating Income (TE) | 16,796 | 15,563 |
Non-interest Expense | 11,069 | 10,269 |
Provision for Loan & Lease Losses | 644 | 364 |
Pretax Operating Income (TE) | 5,083 | 4,973 |
Pretax Net Operating Income (TE) | 6,133 | 5,081 |
Applicable Income Taxes | 1,057 | 1,163 |
Net Operating Income | 4,094 | 3,580 |
Net Income | 4,094 | 3,580 |
Cash Dividends Declared | 887 | 1,534 |
Retained Earnings | 3,207 | 1,881 |