Bsb Bank & Trust Company
Binghamton, NY — Domestic Branch of a Domestic Bank
Acquired Jul 2004
Net Income Analysis
( % relative to Total Revenue )
Income Statement | Bsb Bank & Trust Company | All Insured Commercial Banks in New York |
Interest and Fees on Loans | 39,990 | 181,086 |
Income from Lease Financing Receivables | — | 41,656 |
55 | 782 | |
Estimated Tax Benefit from Tax-Exempt Loan Income | 30 | 378 |
Income on Loans and Leases (TE) | 40,020 | 186,957 |
Investment Interest Income (TE) | 14,250 | 7,949 |
Total Interest Income (TE) | 54,681 | 20,111 |
Total Interest Expense | 19,045 | 6,733 |
Net Interest Income (TE) | 35,636 | 18,090 |
Non-Interest Income | 6,403 | 187,955 |
Adjusted Operating Income (TE) | 42,039 | 20,763 |
Non-interest Expense | 23,198 | 12,711 |
Provision for Loan & Lease Losses | 3,240 | 29,320 |
Pretax Operating Income (TE) | 15,601 | 97,166 |
Pretax Net Operating Income (TE) | 15,635 | 97,625 |
Applicable Income Taxes | 4,315 | 32,425 |
Net Operating Income | 11,072 | 64,953 |
Net Income | 11,072 | 64,953 |
Cash Dividends Declared | — | 34,202 |
Retained Earnings | 11,072 | 50,035 |