Net Income Analysis ( % relative to Total Revenue )
Income Statement Harvard Savings Bank All Insured Savings Banks in Illinois
Interest and Fees on Loans 2,531 2,535
Income from Lease Financing Receivables — 0
— 1
Estimated Tax Benefit from Tax-Exempt Loan Income — 0
Income on Loans and Leases (TE) 2,531 2,538
Investment Interest Income (TE) 50 472
Total Interest Income (TE) 2,649 3,191
Total Interest Expense 431 450
Net Interest Income (TE) 2,218 2,737
Non-Interest Income 138 1,111
Adjusted Operating Income (TE) 2,356 4,244
Non-interest Expense 2,013 3,573
Provision for Loan & Lease Losses -237 27
Pretax Operating Income (TE) 580 612
Pretax Net Operating Income (TE) 597 640
Applicable Income Taxes — 183
Net Operating Income 584 420
Net Income 584 420
Cash Dividends Declared — 17
Retained Earnings 584 278