Net Income Analysis ( % relative to Total Revenue )
Income Statement Heritage Bank, National Association All Insured Commercial Banks in Arkansas
Interest and Fees on Loans 7,852 9,337
Income from Lease Financing Receivables — 0
— 26
Estimated Tax Benefit from Tax-Exempt Loan Income — 13
Income on Loans and Leases (TE) 7,852 9,355
Investment Interest Income (TE) 181 1,736
Total Interest Income (TE) 8,081 11,144
Total Interest Expense 626 1,243
Net Interest Income (TE) 7,455 9,902
Non-Interest Income 1,088 2,911
Adjusted Operating Income (TE) 8,543 13,204
Non-interest Expense 5,089 8,907
Provision for Loan & Lease Losses 700 351
Pretax Operating Income (TE) 2,754 3,979
Pretax Net Operating Income (TE) 2,753 4,023
Applicable Income Taxes 977 643
Net Operating Income 1,756 3,054
Net Income 1,756 3,054
Cash Dividends Declared — 1,546
Retained Earnings 1,756 1,352