Net Income Analysis ( % relative to Total Revenue )
Income Statement The Apple Creek Banking Company All Insured Commercial Banks in Ohio
Interest and Fees on Loans 3,214 10,016
Income from Lease Financing Receivables — 12
— 61
Estimated Tax Benefit from Tax-Exempt Loan Income — 31
Income on Loans and Leases (TE) 3,214 10,060
Investment Interest Income (TE) 437 1,648
Total Interest Income (TE) 3,745 11,872
Total Interest Expense 361 1,133
Net Interest Income (TE) 3,384 10,668
Non-Interest Income 339 2,979
Adjusted Operating Income (TE) 3,723 13,677
Non-interest Expense 2,798 8,789
Provision for Loan & Lease Losses 17 294
Pretax Operating Income (TE) 908 4,645
Pretax Net Operating Income (TE) 944 4,746
Applicable Income Taxes 252 1,159
Net Operating Income 627 3,321
Net Income 627 3,321
Cash Dividends Declared 150 1,396
Retained Earnings 477 1,667