Net Income Analysis ( % relative to Total Revenue )
Income Statement The Twin Valley Bank All Insured Commercial Banks in Ohio
Interest and Fees on Loans 2,113 11,386
Income from Lease Financing Receivables — 4
— 64
Estimated Tax Benefit from Tax-Exempt Loan Income — 32
Income on Loans and Leases (TE) 2,113 11,434
Investment Interest Income (TE) 288 1,894
Total Interest Income (TE) 2,423 13,519
Total Interest Expense 215 1,284
Net Interest Income (TE) 2,208 12,235
Non-Interest Income 300 3,344
Adjusted Operating Income (TE) 2,508 15,563
Non-interest Expense 1,960 10,269
Provision for Loan & Lease Losses 60 364
Pretax Operating Income (TE) 488 4,973
Pretax Net Operating Income (TE) 488 5,081
Applicable Income Taxes 51 1,163
Net Operating Income 347 3,580
Net Income 347 3,580
Cash Dividends Declared 140 1,534
Retained Earnings 207 1,881