Net Income Analysis ( % relative to Total Revenue )
Income Statement The National Bank Of Delaware County All Insured Commercial Banks in New York
Interest and Fees on Loans 2,684 24,405
Income from Lease Financing Receivables — 25
— 55
Estimated Tax Benefit from Tax-Exempt Loan Income — 29
Income on Loans and Leases (TE) 2,684 24,905
Investment Interest Income (TE) 2,906 4,099
Total Interest Income (TE) 5,615 32,514
Total Interest Expense 658 3,771
Net Interest Income (TE) 4,957 28,743
Non-Interest Income 1,297 7,633
Adjusted Operating Income (TE) 6,254 40,282
Non-interest Expense 5,666 22,839
Provision for Loan & Lease Losses 2 962
Pretax Operating Income (TE) 586 13,692
Pretax Net Operating Income (TE) 630 14,098
Applicable Income Taxes -251 4,499
Net Operating Income 466 9,018
Net Income 466 9,017
Cash Dividends Declared — 1,174
Retained Earnings 466 5,653