Net Income Analysis ( % relative to Total Revenue )
Income Statement First Commonwealth Bank All Insured Commercial Banks in Virginia
Interest and Fees on Loans 650 3,233
Income from Lease Financing Receivables — 295
6 78
Estimated Tax Benefit from Tax-Exempt Loan Income 3 39
Income on Loans and Leases (TE) 653 3,241
Investment Interest Income (TE) 137 848
Total Interest Income (TE) 809 4,104
Total Interest Expense 280 1,281
Net Interest Income (TE) 529 2,825
Non-Interest Income 141 793
Adjusted Operating Income (TE) 670 3,616
Non-interest Expense 540 2,197
Provision for Loan & Lease Losses — 195
Pretax Operating Income (TE) 130 2,726
Pretax Net Operating Income (TE) 139 2,783
Applicable Income Taxes 15 916
Net Operating Income 107 1,817
Net Income 107 1,833
Cash Dividends Declared — 1,363
Retained Earnings 107 1,409