Heritage Bank Usa, Inc.
Hopkinsville, KY — Non-member Bank
Active
Net Income Analysis
( % relative to Total Revenue )
| Income Statement | Heritage Bank Usa, Inc. | All Insured Commercial Banks in Kentucky |
| Interest and Fees on Loans | 26,076 | 8,828 |
| Income from Lease Financing Receivables | — | 2 |
| 51 | 44 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | 26 | 22 |
| Income on Loans and Leases (TE) | 26,102 | 8,864 |
| Investment Interest Income (TE) | 6,401 | 1,656 |
| Total Interest Income (TE) | 32,727 | 10,728 |
| Total Interest Expense | 4,912 | 1,106 |
| Net Interest Income (TE) | 27,815 | 9,572 |
| Non-Interest Income | 7,116 | 2,231 |
| Adjusted Operating Income (TE) | 34,931 | 12,006 |
| Non-interest Expense | 29,555 | 8,402 |
| Provision for Loan & Lease Losses | 1,242 | 243 |
| Pretax Operating Income (TE) | 4,134 | 3,259 |
| Pretax Net Operating Income (TE) | 4,746 | 3,369 |
| Applicable Income Taxes | 680 | 444 |
| Net Operating Income | 3,366 | 2,592 |
| Net Income | 3,366 | 2,592 |
| Cash Dividends Declared | 2,000 | 1,549 |
| Retained Earnings | 1,366 | 1,045 |