Pioneer Savings Bank
Troy, NY — State Savings Bank
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Net Income Analysis
( % relative to Total Revenue )
Income Statement | Pioneer Savings Bank | All Insured Savings Banks in New York |
Interest and Fees on Loans | 32,951 | 39,050 |
Income from Lease Financing Receivables | — | 0 |
259 | 4 | |
Estimated Tax Benefit from Tax-Exempt Loan Income | 130 | 1 |
Income on Loans and Leases (TE) | 33,081 | 39,115 |
Investment Interest Income (TE) | 1,396 | 3,855 |
Total Interest Income (TE) | 34,661 | 43,781 |
Total Interest Expense | 2,027 | 7,561 |
Net Interest Income (TE) | 32,634 | 36,228 |
Non-Interest Income | 9,089 | 6,784 |
Adjusted Operating Income (TE) | 41,723 | 43,792 |
Non-interest Expense | 32,867 | 29,042 |
Provision for Loan & Lease Losses | 1,780 | 563 |
Pretax Operating Income (TE) | 7,076 | 13,959 |
Pretax Net Operating Income (TE) | 7,592 | 14,008 |
Applicable Income Taxes | 2,317 | 5,088 |
Net Operating Income | 5,004 | 8,538 |
Net Income | 5,004 | 8,523 |
Cash Dividends Declared | — | 1,972 |
Retained Earnings | 5,004 | 5,990 |