Orange Bank &Trust Company
Middletown, NY — State Member Bank
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Net Income Analysis
( % relative to Total Revenue )
Income Statement | Orange Bank &Trust Company | All Insured Commercial Banks in New York |
Interest and Fees on Loans | 22,791 | 41,190 |
Income from Lease Financing Receivables | — | 11 |
— | 99 | |
Estimated Tax Benefit from Tax-Exempt Loan Income | — | 52 |
Income on Loans and Leases (TE) | 22,791 | 41,538 |
Investment Interest Income (TE) | 7,873 | 6,772 |
Total Interest Income (TE) | 30,952 | 51,262 |
Total Interest Expense | 3,733 | 6,465 |
Net Interest Income (TE) | 27,219 | 44,373 |
Non-Interest Income | 4,462 | 11,435 |
Adjusted Operating Income (TE) | 31,681 | 60,531 |
Non-interest Expense | 25,105 | 38,074 |
Provision for Loan & Lease Losses | 1,792 | 2,203 |
Pretax Operating Income (TE) | 4,784 | 19,351 |
Pretax Net Operating Income (TE) | 5,093 | 20,027 |
Applicable Income Taxes | 156 | 5,930 |
Net Operating Income | 3,747 | 13,255 |
Net Income | 3,747 | 13,254 |
Cash Dividends Declared | 3,220 | 2,280 |
Retained Earnings | 527 | 7,706 |