Net Income Analysis ( % relative to Total Revenue )
Income Statement Wilber National Bank All Insured Commercial Banks in New York
Interest and Fees on Loans 7,189 6,519
Income from Lease Financing Receivables — 19
124 6
Estimated Tax Benefit from Tax-Exempt Loan Income 64 3
Income on Loans and Leases (TE) 7,253 6,610
Investment Interest Income (TE) 2,293 1,470
Total Interest Income (TE) 9,622 9,446
Total Interest Expense 2,647 1,987
Net Interest Income (TE) 6,975 7,075
Non-Interest Income 1,737 2,392
Adjusted Operating Income (TE) 8,712 10,292
Non-interest Expense 6,811 7,030
Provision for Loan & Lease Losses 680 463
Pretax Operating Income (TE) 1,221 2,512
Pretax Net Operating Income (TE) 1,223 2,631
Applicable Income Taxes 259 714
Net Operating Income 825 1,753
Net Income 825 1,752
Cash Dividends Declared 1,315 209
Retained Earnings -490 1,042