Net Income Analysis ( % relative to Total Revenue )
Income Statement The Settlers Bank All Insured Commercial Banks in Ohio
Interest and Fees on Loans 4,654 11,386
Income from Lease Financing Receivables — 4
— 64
Estimated Tax Benefit from Tax-Exempt Loan Income — 32
Income on Loans and Leases (TE) 4,654 11,434
Investment Interest Income (TE) 134 1,894
Total Interest Income (TE) 4,855 13,519
Total Interest Expense 429 1,284
Net Interest Income (TE) 4,426 12,235
Non-Interest Income 325 3,344
Adjusted Operating Income (TE) 4,751 15,563
Non-interest Expense 2,576 10,269
Provision for Loan & Lease Losses 19 364
Pretax Operating Income (TE) 2,156 4,973
Pretax Net Operating Income (TE) 2,161 5,081
Applicable Income Taxes 722 1,163
Net Operating Income 1,428 3,580
Net Income 1,428 3,580
Cash Dividends Declared 590 1,534
Retained Earnings 838 1,881