Net Income Analysis ( % relative to Total Revenue )
Income Statement Premier Bank, Inc. All Insured Commercial Banks in West Virginia
Interest and Fees on Loans 1,434 4,970
Income from Lease Financing Receivables — 148
— 114
Estimated Tax Benefit from Tax-Exempt Loan Income — 56
Income on Loans and Leases (TE) 1,434 4,989
Investment Interest Income (TE) 6 939
Total Interest Income (TE) 1,606 6,115
Total Interest Expense 875 2,564
Net Interest Income (TE) 731 3,554
Non-Interest Income 39 587
Adjusted Operating Income (TE) 770 4,140
Non-interest Expense 1,246 2,590
Provision for Loan & Lease Losses 17 329
Pretax Operating Income (TE) — 2,038
Pretax Net Operating Income (TE) — 2,034
Applicable Income Taxes — 1,070
Net Operating Income — 1,350
Net Income — 1,350
Cash Dividends Declared — 1,681
Retained Earnings — 894