The Ephrata National Bank
Ephrata, PA — National Bank
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Net Income Analysis
( % relative to Total Revenue )
Income Statement | The Ephrata National Bank | All Insured Commercial Banks in Pennsylvania |
Interest and Fees on Loans | 22,525 | 22,748 |
Income from Lease Financing Receivables | — | 24 |
464 | 516 | |
Estimated Tax Benefit from Tax-Exempt Loan Income | 239 | 268 |
Income on Loans and Leases (TE) | 22,764 | 23,278 |
Investment Interest Income (TE) | 7,333 | 3,743 |
Total Interest Income (TE) | 30,541 | 27,430 |
Total Interest Expense | 3,054 | 3,218 |
Net Interest Income (TE) | 27,487 | 24,213 |
Non-Interest Income | 8,773 | 6,081 |
Adjusted Operating Income (TE) | 36,260 | 30,595 |
Non-interest Expense | 27,029 | 20,397 |
Provision for Loan & Lease Losses | 325 | 900 |
Pretax Operating Income (TE) | 8,906 | 8,900 |
Pretax Net Operating Income (TE) | 11,106 | 9,212 |
Applicable Income Taxes | 1,353 | 2,056 |
Net Operating Income | 7,524 | 6,310 |
Net Income | 7,524 | 6,303 |
Cash Dividends Declared | 3,606 | 3,414 |
Retained Earnings | 3,918 | 2,771 |