The Citizens Savings Bank
Martins Ferry, OH — Non-member Bank
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Net Income Analysis
( % relative to Total Revenue )
Income Statement | The Citizens Savings Bank | All Insured Commercial Banks in Ohio |
Interest and Fees on Loans | 16,018 | 11,386 |
Income from Lease Financing Receivables | — | 4 |
45 | 64 | |
Estimated Tax Benefit from Tax-Exempt Loan Income | 23 | 32 |
Income on Loans and Leases (TE) | 16,041 | 11,434 |
Investment Interest Income (TE) | 449 | 1,894 |
Total Interest Income (TE) | 16,692 | 13,519 |
Total Interest Expense | 1,702 | 1,284 |
Net Interest Income (TE) | 14,990 | 12,235 |
Non-Interest Income | 3,521 | 3,344 |
Adjusted Operating Income (TE) | 18,511 | 15,563 |
Non-interest Expense | 11,504 | 10,269 |
Provision for Loan & Lease Losses | 301 | 364 |
Pretax Operating Income (TE) | 6,706 | 4,973 |
Pretax Net Operating Income (TE) | 6,868 | 5,081 |
Applicable Income Taxes | 2,065 | 1,163 |
Net Operating Income | 4,739 | 3,580 |
Net Income | 4,739 | 3,580 |
Cash Dividends Declared | 4,701 | 1,534 |
Retained Earnings | 38 | 1,881 |