Steuben Trust Company
Hornell, NY — Non-member Bank
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Net Income Analysis
( % relative to Total Revenue )
Income Statement | Steuben Trust Company | All Insured Commercial Banks in New York |
Interest and Fees on Loans | 14,003 | 41,190 |
Income from Lease Financing Receivables | 18 | 11 |
— | 99 | |
Estimated Tax Benefit from Tax-Exempt Loan Income | — | 52 |
Income on Loans and Leases (TE) | 14,021 | 41,538 |
Investment Interest Income (TE) | 4,867 | 6,772 |
Total Interest Income (TE) | 19,017 | 51,262 |
Total Interest Expense | 1,064 | 6,465 |
Net Interest Income (TE) | 17,953 | 44,373 |
Non-Interest Income | 4,082 | 11,435 |
Adjusted Operating Income (TE) | 22,035 | 60,531 |
Non-interest Expense | 13,583 | 38,074 |
Provision for Loan & Lease Losses | 289 | 2,203 |
Pretax Operating Income (TE) | 8,163 | 19,351 |
Pretax Net Operating Income (TE) | 8,196 | 20,027 |
Applicable Income Taxes | 2,070 | 5,930 |
Net Operating Income | 5,446 | 13,255 |
Net Income | 5,446 | 13,254 |
Cash Dividends Declared | 1,931 | 2,280 |
Retained Earnings | 3,515 | 7,706 |