Net Income Analysis ( % relative to Total Revenue )
Income Statement Vist Bank All Insured Commercial Banks in Pennsylvania
Interest and Fees on Loans 49,142 22,748
Income from Lease Financing Receivables — 24
1,636 516
Estimated Tax Benefit from Tax-Exempt Loan Income 852 268
Income on Loans and Leases (TE) 49,994 23,278
Investment Interest Income (TE) 4,702 3,743
Total Interest Income (TE) 55,272 27,430
Total Interest Expense 6,280 3,218
Net Interest Income (TE) 48,992 24,213
Non-Interest Income 4,401 6,081
Adjusted Operating Income (TE) 53,393 30,595
Non-interest Expense 35,686 20,397
Provision for Loan & Lease Losses 1,855 900
Pretax Operating Income (TE) 15,852 8,900
Pretax Net Operating Income (TE) 15,914 9,212
Applicable Income Taxes 4,220 2,056
Net Operating Income 10,499 6,310
Net Income 10,499 6,303
Cash Dividends Declared 3,831 3,414
Retained Earnings 6,668 2,771