Raymond Federal Bank
Raymond, WA — State Savings Bank
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Net Income Analysis
( % relative to Total Revenue )
| Income Statement | Raymond Federal Bank | All Insured Savings Banks in Washington |
| Interest and Fees on Loans | 2,149 | 21,348 |
| Income from Lease Financing Receivables | — | 0 |
| — | 0 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | — | 0 |
| Income on Loans and Leases (TE) | 2,149 | 21,348 |
| Investment Interest Income (TE) | 171 | 3,301 |
| Total Interest Income (TE) | 2,350 | 25,028 |
| Total Interest Expense | 334 | 3,235 |
| Net Interest Income (TE) | 2,016 | 21,792 |
| Non-Interest Income | 154 | 5,380 |
| Adjusted Operating Income (TE) | 2,170 | 27,173 |
| Non-interest Expense | 1,845 | 18,821 |
| Provision for Loan & Lease Losses | 113 | 401 |
| Pretax Operating Income (TE) | 212 | 7,950 |
| Pretax Net Operating Income (TE) | 212 | 7,983 |
| Applicable Income Taxes | 64 | 899 |
| Net Operating Income | 148 | 6,978 |
| Net Income | 148 | 6,978 |
| Cash Dividends Declared | — | 822 |
| Retained Earnings | 148 | 6,156 |