The Richwood Banking Company
Richwood, OH — State Member Bank
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Net Income Analysis
( % relative to Total Revenue )
Income Statement | The Richwood Banking Company | All Insured Commercial Banks in Ohio |
Interest and Fees on Loans | 12,220 | 11,386 |
Income from Lease Financing Receivables | 2 | 4 |
57 | 64 | |
Estimated Tax Benefit from Tax-Exempt Loan Income | 29 | 32 |
Income on Loans and Leases (TE) | 12,251 | 11,434 |
Investment Interest Income (TE) | 5,372 | 1,894 |
Total Interest Income (TE) | 17,753 | 13,519 |
Total Interest Expense | 1,899 | 1,284 |
Net Interest Income (TE) | 15,854 | 12,235 |
Non-Interest Income | 2,957 | 3,344 |
Adjusted Operating Income (TE) | 18,811 | 15,563 |
Non-interest Expense | 13,174 | 10,269 |
Provision for Loan & Lease Losses | 146 | 364 |
Pretax Operating Income (TE) | 5,491 | 4,973 |
Pretax Net Operating Income (TE) | 6,138 | 5,081 |
Applicable Income Taxes | 833 | 1,163 |
Net Operating Income | 4,198 | 3,580 |
Net Income | 4,198 | 3,580 |
Cash Dividends Declared | 500 | 1,534 |
Retained Earnings | 3,698 | 1,881 |