Net Income Analysis ( % relative to Total Revenue )
Income Statement Riverhills Bank All Insured Commercial Banks in Ohio
Interest and Fees on Loans 4,940 11,386
Income from Lease Financing Receivables — 4
14 64
Estimated Tax Benefit from Tax-Exempt Loan Income 7 32
Income on Loans and Leases (TE) 4,947 11,434
Investment Interest Income (TE) 598 1,894
Total Interest Income (TE) 5,642 13,519
Total Interest Expense 685 1,284
Net Interest Income (TE) 4,957 12,235
Non-Interest Income 1,518 3,344
Adjusted Operating Income (TE) 6,475 15,563
Non-interest Expense 4,954 10,269
Provision for Loan & Lease Losses 102 364
Pretax Operating Income (TE) 1,419 4,973
Pretax Net Operating Income (TE) 1,489 5,081
Applicable Income Taxes 232 1,163
Net Operating Income 1,235 3,580
Net Income 1,235 3,580
Cash Dividends Declared 360 1,534
Retained Earnings 875 1,881