Net Income Analysis ( % relative to Total Revenue )
Income Statement Blueridge Bank All Insured Commercial Banks in Maryland
Interest and Fees on Loans 7,895 21,267
Income from Lease Financing Receivables — 13
— 95
Estimated Tax Benefit from Tax-Exempt Loan Income — 46
Income on Loans and Leases (TE) 7,895 21,366
Investment Interest Income (TE) 451 1,734
Total Interest Income (TE) 8,368 23,676
Total Interest Expense 1,326 2,571
Net Interest Income (TE) 7,042 20,969
Non-Interest Income 163 6,266
Adjusted Operating Income (TE) 7,205 27,999
Non-interest Expense 5,765 19,718
Provision for Loan & Lease Losses 120 935
Pretax Operating Income (TE) 1,320 7,493
Pretax Net Operating Income (TE) 1,315 7,488
Applicable Income Taxes 611 2,323
Net Operating Income 704 4,909
Net Income 704 4,909
Cash Dividends Declared — 1,631
Retained Earnings 704 2,127