Net Income Analysis ( % relative to Total Revenue )
Income Statement The Farmers State Bank All Insured Commercial Banks in Ohio
Interest and Fees on Loans 5,055 11,386
Income from Lease Financing Receivables — 4
28 64
Estimated Tax Benefit from Tax-Exempt Loan Income 14 32
Income on Loans and Leases (TE) 5,069 11,434
Investment Interest Income (TE) 856 1,894
Total Interest Income (TE) 6,025 13,519
Total Interest Expense 602 1,284
Net Interest Income (TE) 5,423 12,235
Non-Interest Income 1,352 3,344
Adjusted Operating Income (TE) 6,775 15,563
Non-interest Expense 4,853 10,269
Provision for Loan & Lease Losses 96 364
Pretax Operating Income (TE) 1,826 4,973
Pretax Net Operating Income (TE) 1,850 5,081
Applicable Income Taxes 290 1,163
Net Operating Income 1,356 3,580
Net Income 1,356 3,580
Cash Dividends Declared 262 1,534
Retained Earnings 1,094 1,881