Net Income Analysis ( % relative to Total Revenue )
Income Statement The Home Loan Savings Bank All Insured Savings Banks in Ohio
Interest and Fees on Loans 9,116 8,135
Income from Lease Financing Receivables — 0
40 0
Estimated Tax Benefit from Tax-Exempt Loan Income 21 0
Income on Loans and Leases (TE) 9,137 8,138
Investment Interest Income (TE) 33 715
Total Interest Income (TE) 9,282 9,195
Total Interest Expense 979 1,353
Net Interest Income (TE) 8,303 7,724
Non-Interest Income 1,045 2,631
Adjusted Operating Income (TE) 9,348 12,066
Non-interest Expense 4,712 8,142
Provision for Loan & Lease Losses 206 82
Pretax Operating Income (TE) 4,430 3,132
Pretax Net Operating Income (TE) 4,430 3,181
Applicable Income Taxes 1,281 581
Net Operating Income 3,128 2,413
Net Income 3,128 2,411
Cash Dividends Declared 2,000 1,481
Retained Earnings 1,128 881