Net Income Analysis ( % relative to Total Revenue )
Income Statement Schuyler Savings Bank All Insured Savings Banks in New Jersey
Interest and Fees on Loans 2,882 25,610
Income from Lease Financing Receivables — 0
— 7
Estimated Tax Benefit from Tax-Exempt Loan Income — 4
Income on Loans and Leases (TE) 2,882 25,617
Investment Interest Income (TE) 686 5,245
Total Interest Income (TE) 3,697 31,333
Total Interest Expense 699 6,803
Net Interest Income (TE) 2,998 24,529
Non-Interest Income 181 3,336
Adjusted Operating Income (TE) 3,179 35,108
Non-interest Expense 2,877 22,934
Provision for Loan & Lease Losses 25 478
Pretax Operating Income (TE) 277 8,807
Pretax Net Operating Income (TE) 292 9,028
Applicable Income Taxes -14 2,758
Net Operating Income 211 6,133
Net Income 211 6,133
Cash Dividends Declared — 205
Retained Earnings 211 5,383