Net Income Analysis ( % relative to Total Revenue )
Income Statement The Citizens Bank Company All Insured Commercial Banks in Ohio
Interest and Fees on Loans 5,725 11,386
Income from Lease Financing Receivables — 4
4 64
Estimated Tax Benefit from Tax-Exempt Loan Income 2 32
Income on Loans and Leases (TE) 5,727 11,434
Investment Interest Income (TE) 2,092 1,894
Total Interest Income (TE) 7,911 13,519
Total Interest Expense 460 1,284
Net Interest Income (TE) 7,451 12,235
Non-Interest Income 1,155 3,344
Adjusted Operating Income (TE) 8,606 15,563
Non-interest Expense 4,749 10,269
Provision for Loan & Lease Losses 410 364
Pretax Operating Income (TE) 3,447 4,973
Pretax Net Operating Income (TE) 3,635 5,081
Applicable Income Taxes 819 1,163
Net Operating Income 2,547 3,580
Net Income 2,547 3,580
Cash Dividends Declared 585 1,534
Retained Earnings 1,962 1,881