Net Income Analysis ( % relative to Total Revenue )
Income Statement Liberty Savings Bank, F.S.B. All Insured Savings Banks in Pennsylvania
Interest and Fees on Loans 1,077 13,595
Income from Lease Financing Receivables — 4
— 68
Estimated Tax Benefit from Tax-Exempt Loan Income — 30
Income on Loans and Leases (TE) 1,077 13,669
Investment Interest Income (TE) 6 2,963
Total Interest Income (TE) 1,085 17,006
Total Interest Expense 124 3,535
Net Interest Income (TE) 961 13,476
Non-Interest Income 82 2,715
Adjusted Operating Income (TE) 1,043 18,681
Non-interest Expense 2,076 13,774
Provision for Loan & Lease Losses 161 684
Pretax Operating Income (TE) -1,194 3,727
Pretax Net Operating Income (TE) -1,194 3,836
Applicable Income Taxes — 944
Net Operating Income -1,194 2,715
Net Income -1,194 2,706
Cash Dividends Declared — 887
Retained Earnings -1,194 1,476