Newburyport Five Cents Savings Bank
Newburyport, MA — State Savings Bank
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Net Income Analysis
( % relative to Total Revenue )
Income Statement | Newburyport Five Cents Savings Bank | All Insured Savings Banks in Massachusetts |
Interest and Fees on Loans | 25,921 | 22,507 |
Income from Lease Financing Receivables | — | 0 |
48 | 12 | |
Estimated Tax Benefit from Tax-Exempt Loan Income | 20 | 5 |
Income on Loans and Leases (TE) | 25,941 | 22,524 |
Investment Interest Income (TE) | 2,473 | 2,367 |
Total Interest Income (TE) | 28,857 | 25,271 |
Total Interest Expense | 4,444 | 3,912 |
Net Interest Income (TE) | 24,413 | 21,140 |
Non-Interest Income | 1,635 | 4,299 |
Adjusted Operating Income (TE) | 26,048 | 27,158 |
Non-interest Expense | 17,620 | 19,697 |
Provision for Loan & Lease Losses | 200 | 554 |
Pretax Operating Income (TE) | 8,228 | 6,325 |
Pretax Net Operating Income (TE) | 9,056 | 6,941 |
Applicable Income Taxes | 3,154 | 1,880 |
Net Operating Income | 5,868 | 4,661 |
Net Income | 5,868 | 4,648 |
Cash Dividends Declared | 1,629 | 46 |
Retained Earnings | 4,239 | 4,164 |