Net Income Analysis ( % relative to Total Revenue )
Income Statement Emigrant Savings Bank - Brooklyn/Queens All Insured Savings Banks in New York
Interest and Fees on Loans 9,978 24,890
Income from Lease Financing Receivables — 0
— 5
Estimated Tax Benefit from Tax-Exempt Loan Income — 3
Income on Loans and Leases (TE) 9,978 24,922
Investment Interest Income (TE) 6,050 5,076
Total Interest Income (TE) 16,334 30,713
Total Interest Expense 5,831 6,949
Net Interest Income (TE) 10,503 23,768
Non-Interest Income 430 3,857
Adjusted Operating Income (TE) 10,933 27,612
Non-interest Expense 10,274 17,956
Provision for Loan & Lease Losses 1,216 1,558
Pretax Operating Income (TE) -557 8,330
Pretax Net Operating Income (TE) 643 9,186
Applicable Income Taxes 169 3,450
Net Operating Income 458 5,535
Net Income 458 5,521
Cash Dividends Declared — 1,520
Retained Earnings 458 3,482