The Heritage Bank Of St. Joseph
St. Joseph, MO — Domestic Branch of a Domestic Bank
Acquired Jan 2003
Net Income Analysis
( % relative to Total Revenue )
Income Statement | The Heritage Bank Of St. Joseph | All Insured Commercial Banks in Missouri |
Interest and Fees on Loans | 6,016 | 5,333 |
Income from Lease Financing Receivables | — | 476 |
41 | 80 | |
Estimated Tax Benefit from Tax-Exempt Loan Income | 21 | 40 |
Income on Loans and Leases (TE) | 6,037 | 5,361 |
Investment Interest Income (TE) | 3,149 | 1,146 |
Total Interest Income (TE) | 9,284 | 6,598 |
Total Interest Expense | 3,101 | 2,464 |
Net Interest Income (TE) | 6,183 | 4,133 |
Non-Interest Income | 1,699 | 778 |
Adjusted Operating Income (TE) | 7,882 | 4,945 |
Non-interest Expense | 4,169 | 2,927 |
Provision for Loan & Lease Losses | 4 | 660 |
Pretax Operating Income (TE) | 3,709 | 2,142 |
Pretax Net Operating Income (TE) | 4,304 | 2,060 |
Applicable Income Taxes | 59 | 1,163 |
Net Operating Income | 3,707 | 1,445 |
Net Income | 3,707 | 1,445 |
Cash Dividends Declared | 2,000 | 1,902 |
Retained Earnings | 1,707 | 1,093 |