Net Income Analysis ( % relative to Total Revenue )
Income Statement Columbia River Bank All Insured Commercial Banks in Oregon
Interest and Fees on Loans 45,933 22,022
Income from Lease Financing Receivables — 1,699
143 342
Estimated Tax Benefit from Tax-Exempt Loan Income — 159
Income on Loans and Leases (TE) 45,933 22,145
Investment Interest Income (TE) 1,104 3,664
Total Interest Income (TE) 47,496 23,784
Total Interest Expense 20,876 6,645
Net Interest Income (TE) 26,620 17,140
Non-Interest Income 8,702 3,796
Adjusted Operating Income (TE) 35,322 18,912
Non-interest Expense 41,802 18,916
Provision for Loan & Lease Losses 49,350 17,480
Pretax Operating Income (TE) — -9,575
Pretax Net Operating Income (TE) — -9,512
Applicable Income Taxes — -571
Net Operating Income — -7,914
Net Income — -7,914
Cash Dividends Declared — 2,629
Retained Earnings — -9,445