Net Income Analysis ( % relative to Total Revenue )
Income Statement Naugatuck Valley Savings And Loan All Insured Savings Banks in Connecticut
Interest and Fees on Loans 17,040 28,726
Income from Lease Financing Receivables — 2
4 14
Estimated Tax Benefit from Tax-Exempt Loan Income 2 7
Income on Loans and Leases (TE) 17,042 28,746
Investment Interest Income (TE) 2,042 3,002
Total Interest Income (TE) 19,230 31,991
Total Interest Expense 3,205 4,407
Net Interest Income (TE) 16,025 27,585
Non-Interest Income 2,403 8,400
Adjusted Operating Income (TE) 18,428 35,814
Non-interest Expense 22,475 28,922
Provision for Loan & Lease Losses -2,956 547
Pretax Operating Income (TE) -1,091 6,627
Pretax Net Operating Income (TE) 282 7,297
Applicable Income Taxes — 1,954
Net Operating Income 193 5,031
Net Income 193 5,025
Cash Dividends Declared — 127
Retained Earnings 193 4,792