Net Income Analysis ( % relative to Total Revenue )
Income Statement Access National Bank All Insured Commercial Banks in Virginia
Interest and Fees on Loans 45,939 27,504
Income from Lease Financing Receivables 7 0
17 210
Estimated Tax Benefit from Tax-Exempt Loan Income 9 103
Income on Loans and Leases (TE) 45,955 27,695
Investment Interest Income (TE) 3,960 3,362
Total Interest Income (TE) 50,654 31,612
Total Interest Expense 6,325 3,609
Net Interest Income (TE) 44,329 27,533
Non-Interest Income 31,252 6,168
Adjusted Operating Income (TE) 75,581 34,154
Non-interest Expense 44,710 22,095
Provision for Loan & Lease Losses 2,120 1,171
Pretax Operating Income (TE) 28,751 10,243
Pretax Net Operating Income (TE) 28,860 10,425
Applicable Income Taxes 9,787 2,728
Net Operating Income 18,741 7,993
Net Income 18,741 7,896
Cash Dividends Declared 8,000 2,915
Retained Earnings 10,741 3,997