Net Income Analysis ( % relative to Total Revenue )
Income Statement The Harrison County Bank All Insured Commercial Banks in West Virginia
Interest and Fees on Loans 2,758 11,666
Income from Lease Financing Receivables — 1
55 100
Estimated Tax Benefit from Tax-Exempt Loan Income 28 47
Income on Loans and Leases (TE) 2,786 11,724
Investment Interest Income (TE) 968 1,523
Total Interest Income (TE) 3,781 13,460
Total Interest Expense 279 1,601
Net Interest Income (TE) 3,502 11,860
Non-Interest Income 685 3,481
Adjusted Operating Income (TE) 4,187 15,431
Non-interest Expense 2,968 10,280
Provision for Loan & Lease Losses 30 502
Pretax Operating Income (TE) 1,189 4,739
Pretax Net Operating Income (TE) 1,324 4,910
Applicable Income Taxes 276 1,424
Net Operating Income 870 3,265
Net Income 870 3,285
Cash Dividends Declared 350 1,194
Retained Earnings 520 1,335