Ruby Valley Bank
Twin Bridges, MT — Non-member Bank
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Net Income Analysis
( % relative to Total Revenue )
Income Statement | Ruby Valley Bank | All Insured Commercial Banks in Montana |
Interest and Fees on Loans | 3,631 | 8,885 |
Income from Lease Financing Receivables | — | 1 |
1 | 35 | |
Estimated Tax Benefit from Tax-Exempt Loan Income | 1 | 17 |
Income on Loans and Leases (TE) | 3,632 | 8,904 |
Investment Interest Income (TE) | 670 | 1,082 |
Total Interest Income (TE) | 4,327 | 10,108 |
Total Interest Expense | 149 | 784 |
Net Interest Income (TE) | 4,178 | 9,278 |
Non-Interest Income | 290 | 2,109 |
Adjusted Operating Income (TE) | 4,468 | 11,382 |
Non-interest Expense | 2,498 | 6,724 |
Provision for Loan & Lease Losses | — | 241 |
Pretax Operating Income (TE) | 1,970 | 4,367 |
Pretax Net Operating Income (TE) | 1,975 | 4,427 |
Applicable Income Taxes | — | 499 |
Net Operating Income | 1,931 | 3,773 |
Net Income | 1,931 | 3,773 |
Cash Dividends Declared | 1,500 | 2,023 |
Retained Earnings | 431 | 1,276 |