Orrstown Bank
Shippensburg, PA — State Member Bank
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Net Income Analysis
( % relative to Total Revenue )
Income Statement | Orrstown Bank | All Insured Commercial Banks in Pennsylvania |
Interest and Fees on Loans | 25,006 | 16,763 |
Income from Lease Financing Receivables | — | 18 |
1,446 | 394 | |
Estimated Tax Benefit from Tax-Exempt Loan Income | 731 | 204 |
Income on Loans and Leases (TE) | 25,737 | 17,164 |
Investment Interest Income (TE) | 6,096 | 2,807 |
Total Interest Income (TE) | 32,285 | 20,273 |
Total Interest Expense | 4,082 | 2,378 |
Net Interest Income (TE) | 28,203 | 17,898 |
Non-Interest Income | 13,305 | 4,707 |
Adjusted Operating Income (TE) | 41,508 | 22,617 |
Non-interest Expense | 33,199 | 15,260 |
Provision for Loan & Lease Losses | 250 | 646 |
Pretax Operating Income (TE) | 8,059 | 6,527 |
Pretax Net Operating Income (TE) | 9,479 | 6,805 |
Applicable Income Taxes | 1,467 | 1,523 |
Net Operating Income | 6,614 | 4,642 |
Net Income | 6,614 | 4,638 |
Cash Dividends Declared | 2,200 | 2,070 |
Retained Earnings | 4,414 | 2,207 |