Net Income Analysis ( % relative to Total Revenue )
Income Statement Integrity Bank All Insured Commercial Banks in Pennsylvania
Interest and Fees on Loans 2,641 5,703
Income from Lease Financing Receivables — 24
64 107
Estimated Tax Benefit from Tax-Exempt Loan Income 31 55
Income on Loans and Leases (TE) 2,672 5,824
Investment Interest Income (TE) 7 1,007
Total Interest Income (TE) 2,694 6,964
Total Interest Expense 343 759
Net Interest Income (TE) 2,351 6,164
Non-Interest Income 313 1,518
Adjusted Operating Income (TE) 2,664 7,677
Non-interest Expense 2,265 5,128
Provision for Loan & Lease Losses — 176
Pretax Operating Income (TE) 399 2,393
Pretax Net Operating Income (TE) 399 2,527
Applicable Income Taxes 96 611
Net Operating Income 272 1,721
Net Income 272 1,719
Cash Dividends Declared — 912
Retained Earnings 272 809