Net Income Analysis ( % relative to Total Revenue )
Income Statement Cupertino National Bank All Insured Commercial Banks in California
Interest and Fees on Loans 65,401 20,713
Income from Lease Financing Receivables 62,573 5,575
— 1,133
Estimated Tax Benefit from Tax-Exempt Loan Income — 635
Income on Loans and Leases (TE) 127,974 20,269
Investment Interest Income (TE) 13,304 10,715
Total Interest Income (TE) 141,978 20,803
Total Interest Expense 27,232 4,301
Net Interest Income (TE) 114,746 16,341
Non-Interest Income 26,691 5,211
Adjusted Operating Income (TE) 141,437 22,075
Non-interest Expense 80,945 13,096
Provision for Loan & Lease Losses 20,370 4,046
Pretax Operating Income (TE) 40,122 48,684
Pretax Net Operating Income (TE) 41,791 48,996
Applicable Income Taxes 15,459 17,729
Net Operating Income 25,881 30,941
Net Income 25,881 30,937
Cash Dividends Declared 5,070 33,803
Retained Earnings 20,811 13,632