$ in Thousands as of December 31 STATEMENTS OF INCOME, EXPENSES AND CHANGES IN NET ASSETS
 
INTEREST Interest Income Interest Expense Net Interest Income 2020 2019 2018 $27,871 ($9,209) $18,662 $26,959 ($8,844) $18,115 $17,969 $26,110 ($8,141)
OPERATING EXPENSES Ministry Support Provisions for Loan and Real Estate Losses General Operating Expenses Total 2020 2019 2018 $12,837 $455 $5,393 $18,685 $14,791 ($521) $17,348 $15,632 $12,529 $332 $3,078 $2,771
Other Operating Income Increase in Net Assets from Operating Activities OTHER OPERATING INCOME 2020 2019 2018 $316 $293 $278 $566 $1,045 $2,903
NON-OPERATING INCOME (LOSS) Change in Net Assets without Donor Restrictions Change in Net Assets 
with Donor Restrictions Investment Return, Net Investment Return, Net Change in Total Net Assets Other Other 2020 2019 2018 $5,693 $271 $6,288 $16 $15 $6,002 $286 $9,187 $490 $11,068 $346 $0 ($5,710) ($405) ($3,083) $123 $6 $10,578 $490 ($2,684) ($399)