The Northampton Co-Operative Bank
Northampton, MA — Domestic Branch of a Domestic Bank
Acquired Apr 2015
Net Income Analysis
( % relative to Total Revenue )
| Income Statement | The Northampton Co-Operative Bank | All Insured Commercial Banks in Massachusetts |
| Interest and Fees on Loans | 911 | 8,144 |
| Income from Lease Financing Receivables | — | 7 |
| — | 57 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | — | 30 |
| Income on Loans and Leases (TE) | 911 | 8,269 |
| Investment Interest Income (TE) | 174 | 1,067 |
| Total Interest Income (TE) | 1,099 | 9,412 |
| Total Interest Expense | 112 | 1,051 |
| Net Interest Income (TE) | 987 | 8,258 |
| Non-Interest Income | 167 | 1,998 |
| Adjusted Operating Income (TE) | 1,154 | 10,244 |
| Non-interest Expense | 1,453 | 7,193 |
| Provision for Loan & Lease Losses | — | 61 |
| Pretax Operating Income (TE) | -299 | 2,985 |
| Pretax Net Operating Income (TE) | -299 | 3,042 |
| Applicable Income Taxes | -101 | 841 |
| Net Operating Income | -198 | 2,022 |
| Net Income | -198 | 2,021 |
| Cash Dividends Declared | — | 378 |
| Retained Earnings | -198 | 1,349 |