Net Income Analysis ( % relative to Total Revenue )
Income Statement Community Bank Of Santa Maria All Insured Commercial Banks in California
Interest and Fees on Loans 7,412 39,600
Income from Lease Financing Receivables — 93
— 41
Estimated Tax Benefit from Tax-Exempt Loan Income — 21
Income on Loans and Leases (TE) 7,412 39,939
Investment Interest Income (TE) 1,367 4,547
Total Interest Income (TE) 8,991 46,718
Total Interest Expense 288 3,460
Net Interest Income (TE) 8,703 42,511
Non-Interest Income 871 7,405
Adjusted Operating Income (TE) 9,574 56,117
Non-interest Expense 7,534 31,848
Provision for Loan & Lease Losses — 726
Pretax Operating Income (TE) 2,040 20,596
Pretax Net Operating Income (TE) 2,039 21,052
Applicable Income Taxes 768 7,212
Net Operating Income 1,227 12,949
Net Income 1,227 12,577
Cash Dividends Declared — 2,927
Retained Earnings 1,227 8,927