The State Bank And Trust Company
Defiance, OH — State Member Bank
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Net Income Analysis
( % relative to Total Revenue )
Income Statement | The State Bank And Trust Company | All Insured Commercial Banks in Ohio |
Interest and Fees on Loans | 26,921 | 11,386 |
Income from Lease Financing Receivables | — | 4 |
75 | 64 | |
Estimated Tax Benefit from Tax-Exempt Loan Income | 40 | 32 |
Income on Loans and Leases (TE) | 26,961 | 11,434 |
Investment Interest Income (TE) | 2,123 | 1,894 |
Total Interest Income (TE) | 29,411 | 13,519 |
Total Interest Expense | 2,946 | 1,284 |
Net Interest Income (TE) | 26,465 | 12,235 |
Non-Interest Income | 16,893 | 3,344 |
Adjusted Operating Income (TE) | 43,358 | 15,563 |
Non-interest Expense | 28,270 | 10,269 |
Provision for Loan & Lease Losses | 759 | 364 |
Pretax Operating Income (TE) | 14,329 | 4,973 |
Pretax Net Operating Income (TE) | 14,591 | 5,081 |
Applicable Income Taxes | 4,569 | 1,163 |
Net Operating Income | 9,662 | 3,580 |
Net Income | 9,662 | 3,580 |
Cash Dividends Declared | — | 1,534 |
Retained Earnings | 9,662 | 1,881 |