American Home Bank, N.A.
Mountville, PA — Domestic Branch of a Domestic Bank
Acquired Jan 2009
Net Income Analysis
( % relative to Total Revenue )
| Income Statement | American Home Bank, N.A. | All Insured Commercial Banks in Pennsylvania |
| Interest and Fees on Loans | 10,320 | 15,134 |
| Income from Lease Financing Receivables | — | 4,924 |
| — | 920 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | — | 451 |
| Income on Loans and Leases (TE) | 10,320 | 15,506 |
| Investment Interest Income (TE) | 431 | 4,126 |
| Total Interest Income (TE) | 11,127 | 19,814 |
| Total Interest Expense | 7,284 | 8,107 |
| Net Interest Income (TE) | 3,843 | 11,670 |
| Non-Interest Income | 15,866 | 3,211 |
| Adjusted Operating Income (TE) | 19,709 | 14,905 |
| Non-interest Expense | 19,322 | 9,661 |
| Provision for Loan & Lease Losses | 320 | 5,575 |
| Pretax Operating Income (TE) | 67 | 19,937 |
| Pretax Net Operating Income (TE) | 67 | 19,551 |
| Applicable Income Taxes | — | 5,959 |
| Net Operating Income | 67 | 13,239 |
| Net Income | 67 | 13,240 |
| Cash Dividends Declared | — | 10,853 |
| Retained Earnings | 67 | 5,050 |