Spencer Savings Bank, Sla
Elmwood Park, NJ — Savings & Loan Association
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Net Income Analysis
( % relative to Total Revenue )
Income Statement | Spencer Savings Bank, Sla | All Insured Savings Banks in New Jersey |
Interest and Fees on Loans | 71,687 | 25,610 |
Income from Lease Financing Receivables | — | 0 |
— | 7 | |
Estimated Tax Benefit from Tax-Exempt Loan Income | — | 4 |
Income on Loans and Leases (TE) | 71,687 | 25,617 |
Investment Interest Income (TE) | 12,914 | 5,245 |
Total Interest Income (TE) | 85,764 | 31,333 |
Total Interest Expense | 21,348 | 6,803 |
Net Interest Income (TE) | 64,416 | 24,529 |
Non-Interest Income | 4,738 | 3,336 |
Adjusted Operating Income (TE) | 69,154 | 35,108 |
Non-interest Expense | 47,359 | 22,934 |
Provision for Loan & Lease Losses | — | 478 |
Pretax Operating Income (TE) | 21,795 | 8,807 |
Pretax Net Operating Income (TE) | 21,963 | 9,028 |
Applicable Income Taxes | 8,125 | 2,758 |
Net Operating Income | 13,403 | 6,133 |
Net Income | 13,403 | 6,133 |
Cash Dividends Declared | — | 205 |
Retained Earnings | 13,403 | 5,383 |