Williamstown Savings Bank
Williamstown, MA — Domestic Branch of a Domestic Bank
Acquired Jun 2012
Net Income Analysis
( % relative to Total Revenue )
| Income Statement | Williamstown Savings Bank | All Insured Savings Banks in Massachusetts |
| Interest and Fees on Loans | 1,183 | 4,088 |
| Income from Lease Financing Receivables | — | 0 |
| — | 0 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | — | 0 |
| Income on Loans and Leases (TE) | 1,183 | 4,089 |
| Investment Interest Income (TE) | 385 | 746 |
| Total Interest Income (TE) | 1,575 | 4,902 |
| Total Interest Expense | 697 | 1,082 |
| Net Interest Income (TE) | 878 | 3,815 |
| Non-Interest Income | 156 | 833 |
| Adjusted Operating Income (TE) | 1,034 | 4,803 |
| Non-interest Expense | 1,107 | 3,601 |
| Provision for Loan & Lease Losses | 30 | 174 |
| Pretax Operating Income (TE) | -103 | 1,003 |
| Pretax Net Operating Income (TE) | 42 | 1,176 |
| Applicable Income Taxes | -3 | 328 |
| Net Operating Income | 38 | 814 |
| Net Income | 38 | 813 |
| Cash Dividends Declared | — | 14 |
| Retained Earnings | 38 | 680 |