Net Income Analysis ( % relative to Total Revenue )
Income Statement Woodsville Guaranty Savings Bank All Insured Savings Banks in New Hampshire
Interest and Fees on Loans 14,589 21,349
Income from Lease Financing Receivables — 2
243 379
Estimated Tax Benefit from Tax-Exempt Loan Income 125 196
Income on Loans and Leases (TE) 14,714 21,547
Investment Interest Income (TE) 1,836 2,257
Total Interest Income (TE) 16,736 24,035
Total Interest Expense 2,391 2,595
Net Interest Income (TE) 14,345 21,441
Non-Interest Income 2,940 5,152
Adjusted Operating Income (TE) 17,285 26,593
Non-interest Expense 13,784 20,892
Provision for Loan & Lease Losses 955 571
Pretax Operating Income (TE) 2,546 5,129
Pretax Net Operating Income (TE) 3,544 5,552
Applicable Income Taxes 496 1,337
Net Operating Income 2,681 3,783
Net Income 2,681 3,783
Cash Dividends Declared 1,251 869
Retained Earnings 1,430 2,915