North Valley Bank
Zanesville, OH — State Member Bank
Active
Net Income Analysis
( % relative to Total Revenue )
| Income Statement | North Valley Bank | All Insured Commercial Banks in Ohio |
| Interest and Fees on Loans | 6,114 | 11,386 |
| Income from Lease Financing Receivables | — | 4 |
| 12 | 64 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | 6 | 32 |
| Income on Loans and Leases (TE) | 6,120 | 11,434 |
| Investment Interest Income (TE) | 1,641 | 1,894 |
| Total Interest Income (TE) | 7,879 | 13,519 |
| Total Interest Expense | 905 | 1,284 |
| Net Interest Income (TE) | 6,974 | 12,235 |
| Non-Interest Income | 1,652 | 3,344 |
| Adjusted Operating Income (TE) | 8,626 | 15,563 |
| Non-interest Expense | 6,788 | 10,269 |
| Provision for Loan & Lease Losses | 358 | 364 |
| Pretax Operating Income (TE) | 1,480 | 4,973 |
| Pretax Net Operating Income (TE) | 1,487 | 5,081 |
| Applicable Income Taxes | 174 | 1,163 |
| Net Operating Income | 1,000 | 3,580 |
| Net Income | 1,000 | 3,580 |
| Cash Dividends Declared | 100 | 1,534 |
| Retained Earnings | 900 | 1,881 |