Net Income Analysis ( % relative to Total Revenue )
Income Statement American Business Bank All Insured Commercial Banks in California
Interest and Fees on Loans 31,141 39,600
Income from Lease Financing Receivables — 93
— 41
Estimated Tax Benefit from Tax-Exempt Loan Income — 21
Income on Loans and Leases (TE) 31,141 39,939
Investment Interest Income (TE) 22,234 4,547
Total Interest Income (TE) 55,039 46,718
Total Interest Expense 1,490 3,460
Net Interest Income (TE) 53,549 42,511
Non-Interest Income 3,683 7,405
Adjusted Operating Income (TE) 57,232 56,117
Non-interest Expense 38,062 31,848
Provision for Loan & Lease Losses 100 726
Pretax Operating Income (TE) 19,070 20,596
Pretax Net Operating Income (TE) 21,451 21,052
Applicable Income Taxes 4,622 7,212
Net Operating Income 12,717 12,949
Net Income 12,717 12,577
Cash Dividends Declared — 2,927
Retained Earnings 12,717 8,927