Net Income Analysis ( % relative to Total Revenue )
Income Statement Riverbank All Insured Commercial Banks in Arkansas
Interest and Fees on Loans 3,395 11,107
Income from Lease Financing Receivables — 1
— 29
Estimated Tax Benefit from Tax-Exempt Loan Income — 15
Income on Loans and Leases (TE) 3,395 11,129
Investment Interest Income (TE) 74 1,636
Total Interest Income (TE) 3,476 12,872
Total Interest Expense 651 1,430
Net Interest Income (TE) 2,825 11,443
Non-Interest Income 182 3,679
Adjusted Operating Income (TE) 3,007 16,091
Non-interest Expense 1,500 10,771
Provision for Loan & Lease Losses 119 635
Pretax Operating Income (TE) 1,388 4,580
Pretax Net Operating Income (TE) 1,407 4,646
Applicable Income Taxes 347 823
Net Operating Income 1,038 3,504
Net Income 1,038 3,504
Cash Dividends Declared 720 2,018
Retained Earnings 318 1,459