Net Income Analysis ( % relative to Total Revenue )
Income Statement River Valley Community Bank All Insured Commercial Banks in California
Interest and Fees on Loans 5,301 39,600
Income from Lease Financing Receivables — 93
— 41
Estimated Tax Benefit from Tax-Exempt Loan Income — 21
Income on Loans and Leases (TE) 5,301 39,939
Investment Interest Income (TE) 2,050 4,547
Total Interest Income (TE) 7,694 46,718
Total Interest Expense 267 3,460
Net Interest Income (TE) 7,427 42,511
Non-Interest Income 502 7,405
Adjusted Operating Income (TE) 7,929 56,117
Non-interest Expense 4,367 31,848
Provision for Loan & Lease Losses 590 726
Pretax Operating Income (TE) 2,972 20,596
Pretax Net Operating Income (TE) 3,027 21,052
Applicable Income Taxes 1,045 7,212
Net Operating Income 1,982 12,949
Net Income 1,982 12,577
Cash Dividends Declared — 2,927
Retained Earnings 1,982 8,927