East Cambridge Savings Bank
Cambridge, MA — State Member Bank
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Net Income Analysis
( % relative to Total Revenue )
Income Statement | East Cambridge Savings Bank | All Insured Commercial Banks in Massachusetts |
Interest and Fees on Loans | 30,627 | 34,650 |
Income from Lease Financing Receivables | — | 0 |
— | 299 | |
Estimated Tax Benefit from Tax-Exempt Loan Income | — | 159 |
Income on Loans and Leases (TE) | 30,627 | 35,259 |
Investment Interest Income (TE) | 2,595 | 3,997 |
Total Interest Income (TE) | 33,711 | 39,846 |
Total Interest Expense | 4,932 | 4,360 |
Net Interest Income (TE) | 28,779 | 35,029 |
Non-Interest Income | 4,068 | 8,220 |
Adjusted Operating Income (TE) | 32,847 | 43,184 |
Non-interest Expense | 27,109 | 28,480 |
Provision for Loan & Lease Losses | 186 | 964 |
Pretax Operating Income (TE) | 5,552 | 13,638 |
Pretax Net Operating Income (TE) | 5,970 | 13,750 |
Applicable Income Taxes | 1,744 | 3,897 |
Net Operating Income | 4,142 | 8,937 |
Net Income | 4,142 | 8,869 |
Cash Dividends Declared | — | 3,144 |
Retained Earnings | 4,142 | 5,501 |