Viking Savings Bank
Alexandria, MN — Savings & Loan Association
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Net Income Analysis
( % relative to Total Revenue )
| Income Statement | Viking Savings Bank | All Insured Savings Banks in Minnesota |
| Interest and Fees on Loans | 6,130 | 8,915 |
| Income from Lease Financing Receivables | — | 3 |
| 49 | 6 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | 25 | 3 |
| Income on Loans and Leases (TE) | 6,155 | 8,921 |
| Investment Interest Income (TE) | 230 | 1,005 |
| Total Interest Income (TE) | 6,483 | 10,031 |
| Total Interest Expense | 875 | 835 |
| Net Interest Income (TE) | 5,608 | 9,197 |
| Non-Interest Income | 545 | 2,762 |
| Adjusted Operating Income (TE) | 6,153 | 11,959 |
| Non-interest Expense | 2,918 | 8,221 |
| Provision for Loan & Lease Losses | — | 183 |
| Pretax Operating Income (TE) | 3,235 | 3,555 |
| Pretax Net Operating Income (TE) | 3,236 | 3,509 |
| Applicable Income Taxes | 2 | 1,078 |
| Net Operating Income | 3,163 | 2,358 |
| Net Income | 3,163 | 2,358 |
| Cash Dividends Declared | 3,024 | 737 |
| Retained Earnings | 139 | 1,621 |