Net Income Analysis ( % relative to Total Revenue )
Income Statement Gateway Bank All Insured Commercial Banks in Pennsylvania
Interest and Fees on Loans 1,747 18,268
Income from Lease Financing Receivables — 32
— 348
Estimated Tax Benefit from Tax-Exempt Loan Income — 159
Income on Loans and Leases (TE) 1,747 18,576
Investment Interest Income (TE) 36 3,940
Total Interest Income (TE) 1,792 22,741
Total Interest Expense 129 3,796
Net Interest Income (TE) 1,663 18,889
Non-Interest Income 11 5,072
Adjusted Operating Income (TE) 1,674 23,909
Non-interest Expense 1,619 15,804
Provision for Loan & Lease Losses — 1,477
Pretax Operating Income (TE) 55 6,736
Pretax Net Operating Income (TE) 55 7,153
Applicable Income Taxes 13 1,726
Net Operating Income 42 4,840
Net Income 42 4,840
Cash Dividends Declared — 2,254
Retained Earnings 42 2,103