Bridgewater Savings Bank
Raynham, MA — State Member Bank
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Net Income Analysis
( % relative to Total Revenue )
| Income Statement | Bridgewater Savings Bank | All Insured Commercial Banks in Massachusetts |
| Interest and Fees on Loans | 15,640 | 34,650 |
| Income from Lease Financing Receivables | — | 0 |
| — | 299 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | — | 159 |
| Income on Loans and Leases (TE) | 15,640 | 35,259 |
| Investment Interest Income (TE) | 3,052 | 3,997 |
| Total Interest Income (TE) | 18,863 | 39,846 |
| Total Interest Expense | 1,928 | 4,360 |
| Net Interest Income (TE) | 16,935 | 35,029 |
| Non-Interest Income | 4,494 | 8,220 |
| Adjusted Operating Income (TE) | 21,429 | 43,184 |
| Non-interest Expense | 17,571 | 28,480 |
| Provision for Loan & Lease Losses | 255 | 964 |
| Pretax Operating Income (TE) | 3,603 | 13,638 |
| Pretax Net Operating Income (TE) | 3,603 | 13,750 |
| Applicable Income Taxes | 904 | 3,897 |
| Net Operating Income | 2,128 | 8,937 |
| Net Income | 2,128 | 8,869 |
| Cash Dividends Declared | 159 | 3,144 |
| Retained Earnings | 1,969 | 5,501 |