The Oneida Savings Bank
Oneida, NY — Domestic Branch of a Domestic Bank
Acquired Dec 2015
Net Income Analysis
( % relative to Total Revenue )
Income Statement | The Oneida Savings Bank | All Insured Savings Banks in New York |
Interest and Fees on Loans | 11,793 | 25,619 |
Income from Lease Financing Receivables | — | 1 |
9 | 3 | |
Estimated Tax Benefit from Tax-Exempt Loan Income | 5 | 2 |
Income on Loans and Leases (TE) | 11,798 | 25,669 |
Investment Interest Income (TE) | 5,888 | 2,990 |
Total Interest Income (TE) | 17,753 | 29,060 |
Total Interest Expense | 1,733 | 4,914 |
Net Interest Income (TE) | 16,020 | 24,151 |
Non-Interest Income | 24,320 | 4,060 |
Adjusted Operating Income (TE) | 40,340 | 29,957 |
Non-interest Expense | 34,724 | 20,189 |
Provision for Loan & Lease Losses | — | 276 |
Pretax Operating Income (TE) | 5,616 | 9,173 |
Pretax Net Operating Income (TE) | 5,754 | 9,656 |
Applicable Income Taxes | 1,535 | 3,379 |
Net Operating Income | 3,508 | 6,189 |
Net Income | 3,502 | 6,181 |
Cash Dividends Declared | 2,000 | 1,154 |
Retained Earnings | 1,502 | 3,431 |