Elderton State Bank
Elderton, PA — Non-member Bank
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Net Income Analysis
( % relative to Total Revenue )
| Income Statement | Elderton State Bank | All Insured Commercial Banks in Pennsylvania |
| Interest and Fees on Loans | 10,284 | 22,748 |
| Income from Lease Financing Receivables | — | 24 |
| 100 | 516 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | 52 | 268 |
| Income on Loans and Leases (TE) | 10,336 | 23,278 |
| Investment Interest Income (TE) | 280 | 3,743 |
| Total Interest Income (TE) | 10,716 | 27,430 |
| Total Interest Expense | 1,703 | 3,218 |
| Net Interest Income (TE) | 9,013 | 24,213 |
| Non-Interest Income | 526 | 6,081 |
| Adjusted Operating Income (TE) | 9,539 | 30,595 |
| Non-interest Expense | 4,838 | 20,397 |
| Provision for Loan & Lease Losses | 985 | 900 |
| Pretax Operating Income (TE) | 3,716 | 8,900 |
| Pretax Net Operating Income (TE) | 3,836 | 9,212 |
| Applicable Income Taxes | 1,177 | 2,056 |
| Net Operating Income | 2,549 | 6,310 |
| Net Income | 2,549 | 6,303 |
| Cash Dividends Declared | 915 | 3,414 |
| Retained Earnings | 1,634 | 2,771 |