The First National Bank Of St. Marys
St. Marys, WV — Domestic Branch of a Domestic Bank
Acquired Sep 2007
Net Income Analysis
( % relative to Total Revenue )
| Income Statement | The First National Bank Of St. Marys | All Insured Commercial Banks in West Virginia |
| Interest and Fees on Loans | 1,007 | 4,970 |
| Income from Lease Financing Receivables | — | 148 |
| 1 | 114 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | 1 | 56 |
| Income on Loans and Leases (TE) | 1,008 | 4,989 |
| Investment Interest Income (TE) | 148 | 939 |
| Total Interest Income (TE) | 1,214 | 6,115 |
| Total Interest Expense | 355 | 2,564 |
| Net Interest Income (TE) | 859 | 3,554 |
| Non-Interest Income | 138 | 587 |
| Adjusted Operating Income (TE) | 997 | 4,140 |
| Non-interest Expense | 812 | 2,590 |
| Provision for Loan & Lease Losses | — | 329 |
| Pretax Operating Income (TE) | 185 | 2,038 |
| Pretax Net Operating Income (TE) | 185 | 2,034 |
| Applicable Income Taxes | 68 | 1,070 |
| Net Operating Income | 114 | 1,350 |
| Net Income | 114 | 1,350 |
| Cash Dividends Declared | 12 | 1,681 |
| Retained Earnings | 102 | 894 |