Net Income Analysis ( % relative to Total Revenue )
Income Statement Mid-Southern Savings Bank, Fsb All Insured Savings Banks in Indiana
Interest and Fees on Loans 5,487 5,745
Income from Lease Financing Receivables — 0
50 13
Estimated Tax Benefit from Tax-Exempt Loan Income 26 7
Income on Loans and Leases (TE) 5,513 5,785
Investment Interest Income (TE) 1,080 1,343
Total Interest Income (TE) 6,665 7,276
Total Interest Expense 721 855
Net Interest Income (TE) 5,944 6,421
Non-Interest Income 726 2,562
Adjusted Operating Income (TE) 6,670 9,383
Non-interest Expense 5,355 7,022
Provision for Loan & Lease Losses -450 156
Pretax Operating Income (TE) 1,765 2,185
Pretax Net Operating Income (TE) 1,765 2,256
Applicable Income Taxes 507 507
Net Operating Income 1,138 1,502
Net Income 1,138 1,502
Cash Dividends Declared — 455
Retained Earnings 1,138 920