Net Income Analysis ( % relative to Total Revenue )
Income Statement Bcbank, Inc. All Insured Commercial Banks in West Virginia
Interest and Fees on Loans 3,812 11,666
Income from Lease Financing Receivables — 1
27 100
Estimated Tax Benefit from Tax-Exempt Loan Income 13 47
Income on Loans and Leases (TE) 3,825 11,724
Investment Interest Income (TE) 420 1,523
Total Interest Income (TE) 4,294 13,460
Total Interest Expense 362 1,601
Net Interest Income (TE) 3,932 11,860
Non-Interest Income 747 3,481
Adjusted Operating Income (TE) 4,679 15,431
Non-interest Expense 4,279 10,280
Provision for Loan & Lease Losses 75 502
Pretax Operating Income (TE) 325 4,739
Pretax Net Operating Income (TE) 106 4,910
Applicable Income Taxes -50 1,424
Net Operating Income 138 3,265
Net Income 138 3,285
Cash Dividends Declared 97 1,194
Retained Earnings 41 1,335