Net Income Analysis ( % relative to Total Revenue )
Income Statement Miners Bank All Insured Commercial Banks in Pennsylvania
Interest and Fees on Loans 5,545 20,334
Income from Lease Financing Receivables — 52
174 389
Estimated Tax Benefit from Tax-Exempt Loan Income 88 201
Income on Loans and Leases (TE) 5,633 20,794
Investment Interest Income (TE) 281 3,911
Total Interest Income (TE) 5,925 24,924
Total Interest Expense 477 2,836
Net Interest Income (TE) 5,448 21,911
Non-Interest Income 234 5,667
Adjusted Operating Income (TE) 5,682 27,550
Non-interest Expense 5,189 18,138
Provision for Loan & Lease Losses 201 761
Pretax Operating Income (TE) 292 8,570
Pretax Net Operating Income (TE) 335 8,966
Applicable Income Taxes -28 1,999
Net Operating Income 252 6,371
Net Income 252 6,368
Cash Dividends Declared 950 2,845
Retained Earnings -698 2,950