Net Income Analysis ( % relative to Total Revenue )
Income Statement River Valley Bank All Insured Commercial Banks in Arkansas
Interest and Fees on Loans 838 1,617
Income from Lease Financing Receivables — 38
— 23
Estimated Tax Benefit from Tax-Exempt Loan Income — 12
Income on Loans and Leases (TE) 838 1,622
Investment Interest Income (TE) 17 401
Total Interest Income (TE) 865 2,079
Total Interest Expense 321 693
Net Interest Income (TE) 544 1,376
Non-Interest Income 167 315
Adjusted Operating Income (TE) 711 1,684
Non-interest Expense 444 994
Provision for Loan & Lease Losses 40 187
Pretax Operating Income (TE) 227 742
Pretax Net Operating Income (TE) 227 772
Applicable Income Taxes 86 285
Net Operating Income 141 663
Net Income 141 663
Cash Dividends Declared 60 842
Retained Earnings 81 447