Net Income Analysis ( % relative to Total Revenue )
Income Statement The Ottoville Bank Company All Insured Commercial Banks in Ohio
Interest and Fees on Loans 2,082 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) 2,096 11,434
Investment Interest Income (TE) 1,168 1,894
Total Interest Income (TE) 3,269 13,519
Total Interest Expense 268 1,284
Net Interest Income (TE) 3,001 12,235
Non-Interest Income 178 3,344
Adjusted Operating Income (TE) 3,179 15,563
Non-interest Expense 1,640 10,269
Provision for Loan & Lease Losses 60 364
Pretax Operating Income (TE) 1,479 4,973
Pretax Net Operating Income (TE) 1,488 5,081
Applicable Income Taxes 164 1,163
Net Operating Income 1,022 3,580
Net Income 1,022 3,580
Cash Dividends Declared 613 1,534
Retained Earnings 409 1,881