Net Income Analysis ( % relative to Total Revenue )
Income Statement Woodlands Bank All Insured Commercial Banks in Pennsylvania
Interest and Fees on Loans 12,219 22,748
Income from Lease Financing Receivables — 24
83 516
Estimated Tax Benefit from Tax-Exempt Loan Income 43 268
Income on Loans and Leases (TE) 12,262 23,278
Investment Interest Income (TE) 2,092 3,743
Total Interest Income (TE) 14,520 27,430
Total Interest Expense 1,706 3,218
Net Interest Income (TE) 12,814 24,213
Non-Interest Income 3,431 6,081
Adjusted Operating Income (TE) 16,245 30,595
Non-interest Expense 10,967 20,397
Provision for Loan & Lease Losses 324 900
Pretax Operating Income (TE) 4,954 8,900
Pretax Net Operating Income (TE) 5,016 9,212
Applicable Income Taxes 1,264 2,056
Net Operating Income 3,306 6,310
Net Income 3,306 6,303
Cash Dividends Declared 1,230 3,414
Retained Earnings 2,076 2,771