Net Income Analysis ( % relative to Total Revenue )
Income Statement Massena Savings And Loan All Insured Savings Banks in New York
Interest and Fees on Loans 6,604 39,050
Income from Lease Financing Receivables — 0
— 4
Estimated Tax Benefit from Tax-Exempt Loan Income — 1
Income on Loans and Leases (TE) 6,604 39,115
Investment Interest Income (TE) — 3,855
Total Interest Income (TE) 6,658 43,781
Total Interest Expense 1,596 7,561
Net Interest Income (TE) 5,062 36,228
Non-Interest Income 318 6,784
Adjusted Operating Income (TE) 5,380 43,792
Non-interest Expense 3,625 29,042
Provision for Loan & Lease Losses 380 563
Pretax Operating Income (TE) 1,375 13,959
Pretax Net Operating Income (TE) 1,375 14,008
Applicable Income Taxes 424 5,088
Net Operating Income 951 8,538
Net Income 951 8,523
Cash Dividends Declared — 1,972
Retained Earnings 951 5,990