Net Income Analysis ( % relative to Total Revenue )
Income Statement Capital Bank All Insured Commercial Banks in California
Interest and Fees on Loans 13,324 39,600
Income from Lease Financing Receivables — 93
— 41
Estimated Tax Benefit from Tax-Exempt Loan Income — 21
Income on Loans and Leases (TE) 13,324 39,939
Investment Interest Income (TE) 50 4,547
Total Interest Income (TE) 13,902 46,718
Total Interest Expense 1,458 3,460
Net Interest Income (TE) 12,444 42,511
Non-Interest Income 887 7,405
Adjusted Operating Income (TE) 13,331 56,117
Non-interest Expense 7,471 31,848
Provision for Loan & Lease Losses 350 726
Pretax Operating Income (TE) 5,510 20,596
Pretax Net Operating Income (TE) 5,510 21,052
Applicable Income Taxes 2,320 7,212
Net Operating Income 3,181 12,949
Net Income 3,181 12,577
Cash Dividends Declared 81 2,927
Retained Earnings 3,100 8,927