Net Income Analysis ( % relative to Total Revenue )
Income Statement Ladysmith Federal Savings And Loan Association All Insured Savings Banks in Wisconsin
Interest and Fees on Loans 1,516 14,376
Income from Lease Financing Receivables 23 1
10 3
Estimated Tax Benefit from Tax-Exempt Loan Income — 1
Income on Loans and Leases (TE) 1,539 14,409
Investment Interest Income (TE) 167 1,412
Total Interest Income (TE) 1,765 16,469
Total Interest Expense 369 2,559
Net Interest Income (TE) 1,396 13,910
Non-Interest Income 211 13,489
Adjusted Operating Income (TE) 1,607 34,470
Non-interest Expense 1,406 23,330
Provision for Loan & Lease Losses 199 485
Pretax Operating Income (TE) 2 5,933
Pretax Net Operating Income (TE) 11 6,163
Applicable Income Taxes — 2,216
Net Operating Income 9 3,838
Net Income 9 3,838
Cash Dividends Declared — 1,754
Retained Earnings 9 1,371