Clay County Bank, Inc.
Clay, WV — Non-member Bank
Active
Net Income Analysis
( % relative to Total Revenue )
| Income Statement | Clay County Bank, Inc. | All Insured Commercial Banks in West Virginia |
| Interest and Fees on Loans | 3,344 | 11,666 |
| Income from Lease Financing Receivables | — | 1 |
| 9 | 100 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | 5 | 47 |
| Income on Loans and Leases (TE) | 3,349 | 11,724 |
| Investment Interest Income (TE) | 415 | 1,523 |
| Total Interest Income (TE) | 3,900 | 13,460 |
| Total Interest Expense | 445 | 1,601 |
| Net Interest Income (TE) | 3,455 | 11,860 |
| Non-Interest Income | 555 | 3,481 |
| Adjusted Operating Income (TE) | 4,010 | 15,431 |
| Non-interest Expense | 2,580 | 10,280 |
| Provision for Loan & Lease Losses | — | 502 |
| Pretax Operating Income (TE) | 1,430 | 4,739 |
| Pretax Net Operating Income (TE) | 1,430 | 4,910 |
| Applicable Income Taxes | 424 | 1,424 |
| Net Operating Income | 929 | 3,265 |
| Net Income | 929 | 3,285 |
| Cash Dividends Declared | 376 | 1,194 |
| Retained Earnings | 553 | 1,335 |