Net Income Analysis ( % relative to Total Revenue )
Income Statement The Savings Bank All Insured Commercial Banks in Ohio
Interest and Fees on Loans 9,584 11,386
Income from Lease Financing Receivables — 4
41 64
Estimated Tax Benefit from Tax-Exempt Loan Income 21 32
Income on Loans and Leases (TE) 9,605 11,434
Investment Interest Income (TE) 2,688 1,894
Total Interest Income (TE) 12,379 13,519
Total Interest Expense 1,440 1,284
Net Interest Income (TE) 10,939 12,235
Non-Interest Income 1,563 3,344
Adjusted Operating Income (TE) 12,502 15,563
Non-interest Expense 9,010 10,269
Provision for Loan & Lease Losses 420 364
Pretax Operating Income (TE) 3,072 4,973
Pretax Net Operating Income (TE) 3,593 5,081
Applicable Income Taxes 732 1,163
Net Operating Income 2,411 3,580
Net Income 2,411 3,580
Cash Dividends Declared 1,198 1,534
Retained Earnings 1,213 1,881