Net Income Analysis ( % relative to Total Revenue )
Income Statement Athol Savings Bank All Insured Savings Banks in Massachusetts
Interest and Fees on Loans 8,536 22,507
Income from Lease Financing Receivables — 0
— 12
Estimated Tax Benefit from Tax-Exempt Loan Income — 5
Income on Loans and Leases (TE) 8,536 22,524
Investment Interest Income (TE) 3,379 2,367
Total Interest Income (TE) 12,029 25,271
Total Interest Expense 1,600 3,912
Net Interest Income (TE) 10,429 21,140
Non-Interest Income 3,893 4,299
Adjusted Operating Income (TE) 14,322 27,158
Non-interest Expense 11,497 19,697
Provision for Loan & Lease Losses 480 554
Pretax Operating Income (TE) 2,345 6,325
Pretax Net Operating Income (TE) 2,672 6,941
Applicable Income Taxes 320 1,880
Net Operating Income 1,986 4,661
Net Income 1,986 4,648
Cash Dividends Declared — 46
Retained Earnings 1,986 4,164