Net Income Analysis ( % relative to Total Revenue )
Income Statement Vidalia Federal Savings Bank All Insured Savings Banks in Georgia
Interest and Fees on Loans 3,650 10,880
Income from Lease Financing Receivables — 0
— 30
Estimated Tax Benefit from Tax-Exempt Loan Income — 14
Income on Loans and Leases (TE) 3,650 10,894
Investment Interest Income (TE) 2,434 811
Total Interest Income (TE) 6,320 11,878
Total Interest Expense 1,794 1,414
Net Interest Income (TE) 4,526 10,464
Non-Interest Income 572 6,681
Adjusted Operating Income (TE) 5,098 17,145
Non-interest Expense 4,042 13,365
Provision for Loan & Lease Losses 125 -7
Pretax Operating Income (TE) 931 3,786
Pretax Net Operating Income (TE) 931 3,792
Applicable Income Taxes 258 837
Net Operating Income 673 2,926
Net Income 673 2,926
Cash Dividends Declared — 5,321
Retained Earnings 673 -2,395