The Luzerne Bank
Luzerne, PA — Non-member Bank
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Net Income Analysis
( % relative to Total Revenue )
| Income Statement | The Luzerne Bank | All Insured Commercial Banks in Pennsylvania |
| Interest and Fees on Loans | 11,428 | 22,748 |
| Income from Lease Financing Receivables | — | 24 |
| 48 | 516 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | 24 | 268 |
| Income on Loans and Leases (TE) | 11,452 | 23,278 |
| Investment Interest Income (TE) | 680 | 3,743 |
| Total Interest Income (TE) | 12,341 | 27,430 |
| Total Interest Expense | 771 | 3,218 |
| Net Interest Income (TE) | 11,570 | 24,213 |
| Non-Interest Income | 1,790 | 6,081 |
| Adjusted Operating Income (TE) | 13,360 | 30,595 |
| Non-interest Expense | 9,196 | 20,397 |
| Provision for Loan & Lease Losses | 476 | 900 |
| Pretax Operating Income (TE) | 3,688 | 8,900 |
| Pretax Net Operating Income (TE) | 3,694 | 9,212 |
| Applicable Income Taxes | 1,105 | 2,056 |
| Net Operating Income | 2,465 | 6,310 |
| Net Income | 2,465 | 6,303 |
| Cash Dividends Declared | 1,845 | 3,414 |
| Retained Earnings | 620 | 2,771 |