Heritage First Bank
Rome, GA — Federal Savings Bank
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Net Income Analysis
( % relative to Total Revenue )
Income Statement | Heritage First Bank | All Insured Savings Banks in Georgia |
Interest and Fees on Loans | 5,637 | 10,880 |
Income from Lease Financing Receivables | — | 0 |
— | 30 | |
Estimated Tax Benefit from Tax-Exempt Loan Income | — | 14 |
Income on Loans and Leases (TE) | 5,637 | 10,894 |
Investment Interest Income (TE) | 56 | 811 |
Total Interest Income (TE) | 5,732 | 11,878 |
Total Interest Expense | 223 | 1,414 |
Net Interest Income (TE) | 5,509 | 10,464 |
Non-Interest Income | 1,190 | 6,681 |
Adjusted Operating Income (TE) | 6,699 | 17,145 |
Non-interest Expense | 5,879 | 13,365 |
Provision for Loan & Lease Losses | 363 | -7 |
Pretax Operating Income (TE) | 457 | 3,786 |
Pretax Net Operating Income (TE) | 457 | 3,792 |
Applicable Income Taxes | — | 837 |
Net Operating Income | 457 | 2,926 |
Net Income | 457 | 2,926 |
Cash Dividends Declared | — | 5,321 |
Retained Earnings | 457 | -2,395 |