Net Income Analysis ( % relative to Total Revenue )
Income Statement Ossian State Bank All Insured Commercial Banks in Indiana
Interest and Fees on Loans 2,610 17,558
Income from Lease Financing Receivables — 63
13 140
Estimated Tax Benefit from Tax-Exempt Loan Income 7 73
Income on Loans and Leases (TE) 2,617 17,832
Investment Interest Income (TE) 313 2,939
Total Interest Income (TE) 3,111 21,400
Total Interest Expense 227 2,125
Net Interest Income (TE) 2,884 19,222
Non-Interest Income 427 5,497
Adjusted Operating Income (TE) 3,311 24,709
Non-interest Expense 2,562 15,248
Provision for Loan & Lease Losses — 481
Pretax Operating Income (TE) 749 8,741
Pretax Net Operating Income (TE) 749 8,865
Applicable Income Taxes — 2,204
Net Operating Income 721 6,062
Net Income 721 6,062
Cash Dividends Declared 150 3,093
Retained Earnings 571 2,557