Net Income Analysis ( % relative to Total Revenue )
Income Statement Haven Savings Bank All Insured Savings Banks in New Jersey
Interest and Fees on Loans 28,070 25,610
Income from Lease Financing Receivables — 0
— 7
Estimated Tax Benefit from Tax-Exempt Loan Income — 4
Income on Loans and Leases (TE) 28,070 25,617
Investment Interest Income (TE) 2,065 5,245
Total Interest Income (TE) 30,555 31,333
Total Interest Expense 6,784 6,803
Net Interest Income (TE) 23,771 24,529
Non-Interest Income 1,157 3,336
Adjusted Operating Income (TE) 24,928 35,108
Non-interest Expense 20,618 22,934
Provision for Loan & Lease Losses 105 478
Pretax Operating Income (TE) 4,205 8,807
Pretax Net Operating Income (TE) 4,205 9,028
Applicable Income Taxes 1,269 2,758
Net Operating Income 2,936 6,133
Net Income 2,936 6,133
Cash Dividends Declared — 205
Retained Earnings 2,936 5,383