Net Income Analysis ( % relative to Total Revenue )
Income Statement Community Business Bank All Insured Commercial Banks in California
Interest and Fees on Loans 10,061 39,600
Income from Lease Financing Receivables 465 93
465 41
Estimated Tax Benefit from Tax-Exempt Loan Income 240 21
Income on Loans and Leases (TE) 10,766 39,939
Investment Interest Income (TE) 1,119 4,547
Total Interest Income (TE) 12,162 46,718
Total Interest Expense 886 3,460
Net Interest Income (TE) 11,276 42,511
Non-Interest Income 798 7,405
Adjusted Operating Income (TE) 12,074 56,117
Non-interest Expense 6,530 31,848
Provision for Loan & Lease Losses 420 726
Pretax Operating Income (TE) 5,124 20,596
Pretax Net Operating Income (TE) 5,149 21,052
Applicable Income Taxes 1,871 7,212
Net Operating Income 3,038 12,949
Net Income 3,038 12,577
Cash Dividends Declared — 2,927
Retained Earnings 3,038 8,927