Rollstone Bank & Trust
Fitchburg, MA — Federal Savings Bank
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Net Income Analysis
( % relative to Total Revenue )
Income Statement | Rollstone Bank & Trust | All Insured Savings Banks in Massachusetts |
Interest and Fees on Loans | 17,142 | 22,507 |
Income from Lease Financing Receivables | — | 0 |
— | 12 | |
Estimated Tax Benefit from Tax-Exempt Loan Income | — | 5 |
Income on Loans and Leases (TE) | 17,142 | 22,524 |
Investment Interest Income (TE) | 3,076 | 2,367 |
Total Interest Income (TE) | 20,218 | 25,271 |
Total Interest Expense | 3,499 | 3,912 |
Net Interest Income (TE) | 16,719 | 21,140 |
Non-Interest Income | 3,582 | 4,299 |
Adjusted Operating Income (TE) | 20,301 | 27,158 |
Non-interest Expense | 14,944 | 19,697 |
Provision for Loan & Lease Losses | 665 | 554 |
Pretax Operating Income (TE) | 4,692 | 6,325 |
Pretax Net Operating Income (TE) | 5,590 | 6,941 |
Applicable Income Taxes | 1,614 | 1,880 |
Net Operating Income | 3,976 | 4,661 |
Net Income | 3,976 | 4,648 |
Cash Dividends Declared | 188 | 46 |
Retained Earnings | 3,788 | 4,164 |