United Valley Bank
Cavalier, ND — Non-member Bank
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Net Income Analysis
( % relative to Total Revenue )
Income Statement | United Valley Bank | All Insured Commercial Banks in North Dakota |
Interest and Fees on Loans | 8,948 | 7,878 |
Income from Lease Financing Receivables | 16 | 41 |
36 | 62 | |
Estimated Tax Benefit from Tax-Exempt Loan Income | 19 | 32 |
Income on Loans and Leases (TE) | 8,983 | 8,071 |
Investment Interest Income (TE) | 1,012 | 1,178 |
Total Interest Income (TE) | 10,032 | 9,503 |
Total Interest Expense | 453 | 749 |
Net Interest Income (TE) | 9,579 | 8,704 |
Non-Interest Income | 833 | 1,682 |
Adjusted Operating Income (TE) | 10,412 | 10,383 |
Non-interest Expense | 7,209 | 6,115 |
Provision for Loan & Lease Losses | 200 | 424 |
Pretax Operating Income (TE) | 3,003 | 3,789 |
Pretax Net Operating Income (TE) | 3,254 | 3,895 |
Applicable Income Taxes | — | 324 |
Net Operating Income | 3,038 | 3,002 |
Net Income | 3,038 | 3,002 |
Cash Dividends Declared | 2,815 | 1,740 |
Retained Earnings | 223 | 1,178 |