Net Income Analysis ( % relative to Total Revenue )
Income Statement The Farmers Bank And Savings Company All Insured Commercial Banks in Ohio
Interest and Fees on Loans 8,400 10,016
Income from Lease Financing Receivables — 12
65 61
Estimated Tax Benefit from Tax-Exempt Loan Income 32 31
Income on Loans and Leases (TE) 8,432 10,060
Investment Interest Income (TE) 874 1,648
Total Interest Income (TE) 9,334 11,872
Total Interest Expense 1,280 1,133
Net Interest Income (TE) 8,054 10,668
Non-Interest Income 1,419 2,979
Adjusted Operating Income (TE) 9,473 13,677
Non-interest Expense 6,621 8,789
Provision for Loan & Lease Losses 266 294
Pretax Operating Income (TE) 2,586 4,645
Pretax Net Operating Income (TE) 2,586 4,746
Applicable Income Taxes 580 1,159
Net Operating Income 1,789 3,321
Net Income 1,789 3,321
Cash Dividends Declared 795 1,396
Retained Earnings 994 1,667