The Gratz Bank
Gratz, PA — Non-member Bank
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Net Income Analysis
( % relative to Total Revenue )
| Income Statement | The Gratz Bank | All Insured Commercial Banks in Pennsylvania |
| Interest and Fees on Loans | 9,069 | 22,748 |
| Income from Lease Financing Receivables | — | 24 |
| 357 | 516 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | 184 | 268 |
| Income on Loans and Leases (TE) | 9,253 | 23,278 |
| Investment Interest Income (TE) | 1,062 | 3,743 |
| Total Interest Income (TE) | 10,735 | 27,430 |
| Total Interest Expense | 1,454 | 3,218 |
| Net Interest Income (TE) | 9,281 | 24,213 |
| Non-Interest Income | 1,508 | 6,081 |
| Adjusted Operating Income (TE) | 10,789 | 30,595 |
| Non-interest Expense | 6,330 | 20,397 |
| Provision for Loan & Lease Losses | 384 | 900 |
| Pretax Operating Income (TE) | 4,075 | 8,900 |
| Pretax Net Operating Income (TE) | 4,088 | 9,212 |
| Applicable Income Taxes | 1,000 | 2,056 |
| Net Operating Income | 2,722 | 6,310 |
| Net Income | 2,722 | 6,303 |
| Cash Dividends Declared | 945 | 3,414 |
| Retained Earnings | 1,777 | 2,771 |