Net Income Analysis ( % relative to Total Revenue )
Income Statement Swineford National Bank All Insured Commercial Banks in Pennsylvania
Interest and Fees on Loans 8,083 22,748
Income from Lease Financing Receivables 194 24
482 516
Estimated Tax Benefit from Tax-Exempt Loan Income 243 268
Income on Loans and Leases (TE) 8,520 23,278
Investment Interest Income (TE) 1,558 3,743
Total Interest Income (TE) 10,200 27,430
Total Interest Expense 975 3,218
Net Interest Income (TE) 9,225 24,213
Non-Interest Income 3,527 6,081
Adjusted Operating Income (TE) 12,752 30,595
Non-interest Expense 10,289 20,397
Provision for Loan & Lease Losses -33 900
Pretax Operating Income (TE) 2,496 8,900
Pretax Net Operating Income (TE) 2,581 9,212
Applicable Income Taxes 598 2,056
Net Operating Income 1,722 6,310
Net Income 1,722 6,303
Cash Dividends Declared 1,350 3,414
Retained Earnings 372 2,771