Bay Bank, Fsb
Columbia, MD — Federal Savings Bank
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Net Income Analysis
( % relative to Total Revenue )
Income Statement | Bay Bank, Fsb | All Insured Savings Banks in Maryland |
Interest and Fees on Loans | 21,789 | 10,518 |
Income from Lease Financing Receivables | — | 0 |
— | 0 | |
Estimated Tax Benefit from Tax-Exempt Loan Income | — | 0 |
Income on Loans and Leases (TE) | 21,789 | 10,518 |
Investment Interest Income (TE) | 957 | 984 |
Total Interest Income (TE) | 23,043 | 11,683 |
Total Interest Expense | 1,799 | 2,031 |
Net Interest Income (TE) | 21,244 | 9,652 |
Non-Interest Income | 8,259 | 2,684 |
Adjusted Operating Income (TE) | 29,503 | 12,336 |
Non-interest Expense | 25,551 | 9,982 |
Provision for Loan & Lease Losses | 1,390 | 102 |
Pretax Operating Income (TE) | 2,562 | 2,253 |
Pretax Net Operating Income (TE) | 3,243 | 2,305 |
Applicable Income Taxes | 1,109 | 129 |
Net Operating Income | 2,119 | 2,162 |
Net Income | 1,920 | 2,152 |
Cash Dividends Declared | — | 2,492 |
Retained Earnings | 1,920 | -340 |