Net Income Analysis ( % relative to Total Revenue )
Income Statement Hampden Bank All Insured Savings Banks in Massachusetts
Interest and Fees on Loans 5,843 4,700
Income from Lease Financing Receivables — 0
— 2
Estimated Tax Benefit from Tax-Exempt Loan Income — 1
Income on Loans and Leases (TE) 5,843 4,712
Investment Interest Income (TE) 636 574
Total Interest Income (TE) 6,516 5,361
Total Interest Expense 1,330 829
Net Interest Income (TE) 5,186 4,500
Non-Interest Income 772 847
Adjusted Operating Income (TE) 5,958 5,599
Non-interest Expense 3,945 4,314
Provision for Loan & Lease Losses — 94
Pretax Operating Income (TE) 2,013 1,115
Pretax Net Operating Income (TE) 2,013 1,351
Applicable Income Taxes 817 372
Net Operating Income 1,196 885
Net Income 1,196 881
Cash Dividends Declared — 10
Retained Earnings 1,196 838