Net Income Analysis ( % relative to Total Revenue )
Income Statement Biddeford Savings Bank All Insured Savings Banks in Maine
Interest and Fees on Loans 15,763 25,340
Income from Lease Financing Receivables — 87
48 240
Estimated Tax Benefit from Tax-Exempt Loan Income 25 127
Income on Loans and Leases (TE) 15,788 25,554
Investment Interest Income (TE) 918 2,412
Total Interest Income (TE) 16,872 28,214
Total Interest Expense 2,679 3,298
Net Interest Income (TE) 14,193 24,916
Non-Interest Income 1,235 6,138
Adjusted Operating Income (TE) 15,428 31,054
Non-interest Expense 11,268 22,912
Provision for Loan & Lease Losses 218 352
Pretax Operating Income (TE) 3,942 7,790
Pretax Net Operating Income (TE) 3,953 8,263
Applicable Income Taxes 1,048 2,216
Net Operating Income 2,768 5,757
Net Income 2,768 5,752
Cash Dividends Declared — 5
Retained Earnings 2,768 5,746