The North Country Savings Bank
Canton, NY — State Savings Bank
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Net Income Analysis
( % relative to Total Revenue )
| Income Statement | The North Country Savings Bank | All Insured Savings Banks in New York |
| Interest and Fees on Loans | 9,210 | 39,050 |
| Income from Lease Financing Receivables | — | 0 |
| — | 4 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | — | 1 |
| Income on Loans and Leases (TE) | 9,210 | 39,115 |
| Investment Interest Income (TE) | 82 | 3,855 |
| Total Interest Income (TE) | 9,526 | 43,781 |
| Total Interest Expense | 1,275 | 7,561 |
| Net Interest Income (TE) | 8,251 | 36,228 |
| Non-Interest Income | 1,791 | 6,784 |
| Adjusted Operating Income (TE) | 10,042 | 43,792 |
| Non-interest Expense | 9,353 | 29,042 |
| Provision for Loan & Lease Losses | 144 | 563 |
| Pretax Operating Income (TE) | 545 | 13,959 |
| Pretax Net Operating Income (TE) | 538 | 14,008 |
| Applicable Income Taxes | 5 | 5,088 |
| Net Operating Income | 533 | 8,538 |
| Net Income | 533 | 8,523 |
| Cash Dividends Declared | — | 1,972 |
| Retained Earnings | 533 | 5,990 |