Net Income Analysis ( % relative to Total Revenue )
Income Statement Spirit Of America National Bank All Insured Commercial Banks in Ohio
Interest and Fees on Loans — 21,601
Income from Lease Financing Receivables — 117,098
— 2,881
Estimated Tax Benefit from Tax-Exempt Loan Income — 1,374
Income on Loans and Leases (TE) — 22,174
Investment Interest Income (TE) 61 4,309
Total Interest Income (TE) 74 11,872
Total Interest Expense 29 3,749
Net Interest Income (TE) 45 8,125
Non-Interest Income 17,112 6,172
Adjusted Operating Income (TE) 17,157 16,246
Non-interest Expense 3,210 6,811
Provision for Loan & Lease Losses — 218,173
Pretax Operating Income (TE) 13,947 118,385
Pretax Net Operating Income (TE) 13,947 126,105
Applicable Income Taxes 5,309 44,180
Net Operating Income 8,638 86,462
Net Income 8,638 86,835
Cash Dividends Declared 4,440 172,069
Retained Earnings 4,198 29,497