The Middlefield Banking Company
Middlefield, OH — Non-member Bank
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Net Income Analysis
( % relative to Total Revenue )
| Income Statement | The Middlefield Banking Company | All Insured Commercial Banks in Ohio |
| Interest and Fees on Loans | 25,798 | 11,386 |
| Income from Lease Financing Receivables | — | 4 |
| 250 | 64 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | 135 | 32 |
| Income on Loans and Leases (TE) | 25,933 | 11,434 |
| Investment Interest Income (TE) | 5,588 | 1,894 |
| Total Interest Income (TE) | 31,673 | 13,519 |
| Total Interest Expense | 3,823 | 1,284 |
| Net Interest Income (TE) | 27,850 | 12,235 |
| Non-Interest Income | 4,067 | 3,344 |
| Adjusted Operating Income (TE) | 31,917 | 15,563 |
| Non-interest Expense | 19,342 | 10,269 |
| Provision for Loan & Lease Losses | 570 | 364 |
| Pretax Operating Income (TE) | 12,005 | 4,973 |
| Pretax Net Operating Income (TE) | 12,308 | 5,081 |
| Applicable Income Taxes | 2,495 | 1,163 |
| Net Operating Income | 8,110 | 3,580 |
| Net Income | 8,110 | 3,580 |
| Cash Dividends Declared | 3,400 | 1,534 |
| Retained Earnings | 4,710 | 1,881 |