Net Income Analysis ( % relative to Total Revenue )
Income Statement The Union Banking Company All Insured Commercial Banks in Ohio
Interest and Fees on Loans 375 11,386
Income from Lease Financing Receivables — 4
7 64
Estimated Tax Benefit from Tax-Exempt Loan Income 2 32
Income on Loans and Leases (TE) 377 11,434
Investment Interest Income (TE) 1,893 1,894
Total Interest Income (TE) 2,362 13,519
Total Interest Expense 473 1,284
Net Interest Income (TE) 1,889 12,235
Non-Interest Income 73 3,344
Adjusted Operating Income (TE) 1,962 15,563
Non-interest Expense 795 10,269
Provision for Loan & Lease Losses 5 364
Pretax Operating Income (TE) 1,162 4,973
Pretax Net Operating Income (TE) 1,162 5,081
Applicable Income Taxes — 1,163
Net Operating Income 767 3,580
Net Income 767 3,580
Cash Dividends Declared 650 1,534
Retained Earnings 117 1,881