Net Income Analysis ( % relative to Total Revenue )
Income Statement Emigrant Savings Bank - Bronx/Westchester All Insured Savings Banks in New York
Interest and Fees on Loans 10,974 24,890
Income from Lease Financing Receivables — 0
— 5
Estimated Tax Benefit from Tax-Exempt Loan Income — 3
Income on Loans and Leases (TE) 10,974 24,922
Investment Interest Income (TE) 8,512 5,076
Total Interest Income (TE) 19,995 30,713
Total Interest Expense 7,041 6,949
Net Interest Income (TE) 12,954 23,768
Non-Interest Income 1,090 3,857
Adjusted Operating Income (TE) 14,044 27,612
Non-interest Expense 13,811 17,956
Provision for Loan & Lease Losses 2,144 1,558
Pretax Operating Income (TE) -1,911 8,330
Pretax Net Operating Income (TE) 778 9,186
Applicable Income Taxes 174 3,450
Net Operating Income 586 5,535
Net Income 586 5,521
Cash Dividends Declared — 1,520
Retained Earnings 586 3,482