Community Bank Of Northern Virginia
Sterling, VA — Domestic Branch of a Domestic Bank
Acquired May 2005
Net Income Analysis
( % relative to Total Revenue )
| Income Statement | Community Bank Of Northern Virginia | All Insured Commercial Banks in Virginia |
| Interest and Fees on Loans | 10,239 | 3,477 |
| Income from Lease Financing Receivables | — | 101 |
| — | 115 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | — | 38 |
| Income on Loans and Leases (TE) | 10,239 | 3,489 |
| Investment Interest Income (TE) | 1,877 | 613 |
| Total Interest Income (TE) | 12,212 | 4,204 |
| Total Interest Expense | 4,326 | 1,239 |
| Net Interest Income (TE) | 7,886 | 2,961 |
| Non-Interest Income | 561 | 722 |
| Adjusted Operating Income (TE) | 8,447 | 3,734 |
| Non-interest Expense | 5,496 | 2,307 |
| Provision for Loan & Lease Losses | 600 | 271 |
| Pretax Operating Income (TE) | 2,351 | 4,675 |
| Pretax Net Operating Income (TE) | 2,351 | 4,696 |
| Applicable Income Taxes | 870 | 1,707 |
| Net Operating Income | 1,299 | 2,975 |
| Net Income | 1,299 | 2,975 |
| Cash Dividends Declared | 1,017 | 4,294 |
| Retained Earnings | 282 | 2,048 |