Net Income Analysis ( % relative to Total Revenue )
Income Statement Conestoga Bank All Insured Commercial Banks in Pennsylvania
Interest and Fees on Loans 167 5,379
Income from Lease Financing Receivables — 1,286
— 310
Estimated Tax Benefit from Tax-Exempt Loan Income — 132
Income on Loans and Leases (TE) 167 5,478
Investment Interest Income (TE) 117 1,586
Total Interest Income (TE) 454 6,989
Total Interest Expense 179 3,258
Net Interest Income (TE) 275 3,732
Non-Interest Income 29 1,224
Adjusted Operating Income (TE) 304 4,881
Non-interest Expense 639 3,301
Provision for Loan & Lease Losses 75 367
Pretax Operating Income (TE) — 6,810
Pretax Net Operating Income (TE) — 6,922
Applicable Income Taxes — 2,094
Net Operating Income — 4,781
Net Income — 4,861
Cash Dividends Declared — 3,726
Retained Earnings — 2,608