Net Income Analysis ( % relative to Total Revenue )
Income Statement Spring Valley Bank All Insured Commercial Banks in Ohio
Interest and Fees on Loans 4,139 11,386
Income from Lease Financing Receivables — 4
— 64
Estimated Tax Benefit from Tax-Exempt Loan Income — 32
Income on Loans and Leases (TE) 4,139 11,434
Investment Interest Income (TE) — 1,894
Total Interest Income (TE) 4,198 13,519
Total Interest Expense 184 1,284
Net Interest Income (TE) 4,014 12,235
Non-Interest Income 214 3,344
Adjusted Operating Income (TE) 4,228 15,563
Non-interest Expense 1,435 10,269
Provision for Loan & Lease Losses 125 364
Pretax Operating Income (TE) 2,668 4,973
Pretax Net Operating Income (TE) 2,668 5,081
Applicable Income Taxes — 1,163
Net Operating Income 2,668 3,580
Net Income 2,668 3,580
Cash Dividends Declared 1,600 1,534
Retained Earnings 1,068 1,881