Net Income Analysis ( % relative to Total Revenue )
Income Statement Virginia Bank And Trust Company All Insured Commercial Banks in Virginia
Interest and Fees on Loans 6,861 27,504
Income from Lease Financing Receivables — 0
— 210
Estimated Tax Benefit from Tax-Exempt Loan Income — 103
Income on Loans and Leases (TE) 6,861 27,695
Investment Interest Income (TE) 545 3,362
Total Interest Income (TE) 7,510 31,612
Total Interest Expense 221 3,609
Net Interest Income (TE) 7,289 27,533
Non-Interest Income 1,598 6,168
Adjusted Operating Income (TE) 8,887 34,154
Non-interest Expense 6,423 22,095
Provision for Loan & Lease Losses 8 1,171
Pretax Operating Income (TE) 2,456 10,243
Pretax Net Operating Income (TE) 2,656 10,425
Applicable Income Taxes 851 2,728
Net Operating Income 1,805 7,993
Net Income 1,805 7,896
Cash Dividends Declared 1,620 2,915
Retained Earnings 185 3,997