Net Income Analysis ( % relative to Total Revenue )
Income Statement Bay View Bank, National Association All Insured Commercial Banks in California
Interest and Fees on Loans 8,868 10,570
Income from Lease Financing Receivables 17 5,994
— 562
Estimated Tax Benefit from Tax-Exempt Loan Income — 310
Income on Loans and Leases (TE) 8,885 10,281
Investment Interest Income (TE) 2,609 4,331
Total Interest Income (TE) 12,442 10,703
Total Interest Expense 1,180 2,469
Net Interest Income (TE) 11,262 8,220
Non-Interest Income 27,274 2,849
Adjusted Operating Income (TE) 38,536 11,182
Non-interest Expense 50,038 6,781
Provision for Loan & Lease Losses — 2,563
Pretax Operating Income (TE) — 22,064
Pretax Net Operating Income (TE) — 22,376
Applicable Income Taxes — 7,964
Net Operating Income — 14,061
Net Income — 14,059
Cash Dividends Declared 5,378 4,775
Retained Earnings — 12,558