Net Income Analysis ( % relative to Total Revenue )
Income Statement Capital Crossing Bank All Insured Commercial Banks in Massachusetts
Interest and Fees on Loans 77,603 81,862
Income from Lease Financing Receivables 13,778 19,568
— 824
Estimated Tax Benefit from Tax-Exempt Loan Income — 383
Income on Loans and Leases (TE) 91,381 85,306
Investment Interest Income (TE) 4,740 118,759
Total Interest Income (TE) 98,929 119,017
Total Interest Expense 43,372 56,975
Net Interest Income (TE) 55,557 62,044
Non-Interest Income 23,399 70,668
Adjusted Operating Income (TE) 78,956 132,711
Non-interest Expense 57,202 82,196
Provision for Loan & Lease Losses 870 3,312
Pretax Operating Income (TE) 20,884 99,900
Pretax Net Operating Income (TE) 20,891 103,377
Applicable Income Taxes 10,570 37,170
Net Operating Income 10,321 64,350
Net Income 10,321 64,657
Cash Dividends Declared — 31,831
Retained Earnings 10,321 39,979