Net Income Analysis ( % relative to Total Revenue )
Income Statement Ocean Bank All Insured Savings Banks in New Hampshire
Interest and Fees on Loans 81,236 18,735
Income from Lease Financing Receivables — 598
296 311
Estimated Tax Benefit from Tax-Exempt Loan Income 150 151
Income on Loans and Leases (TE) 81,386 18,902
Investment Interest Income (TE) 9,891 2,816
Total Interest Income (TE) 92,424 22,242
Total Interest Expense 30,783 9,790
Net Interest Income (TE) 61,641 12,452
Non-Interest Income 9,489 2,883
Adjusted Operating Income (TE) 71,130 15,335
Non-interest Expense 50,053 12,497
Provision for Loan & Lease Losses 1,225 337
Pretax Operating Income (TE) 19,852 2,538
Pretax Net Operating Income (TE) 17,450 2,887
Applicable Income Taxes 5,753 657
Net Operating Income 11,545 2,060
Net Income 11,545 2,060
Cash Dividends Declared 16,125 407
Retained Earnings — 1,969