Net Income Analysis ( % relative to Total Revenue )
Income Statement First Bank & Trust All Insured Commercial Banks in California
Interest and Fees on Loans 171,771 22,828
Income from Lease Financing Receivables 235 12,231
— 1,172
Estimated Tax Benefit from Tax-Exempt Loan Income — 612
Income on Loans and Leases (TE) 172,006 21,936
Investment Interest Income (TE) 15,556 5,782
Total Interest Income (TE) 188,630 22,739
Total Interest Expense 50,008 6,325
Net Interest Income (TE) 138,622 17,045
Non-Interest Income 23,495 4,975
Adjusted Operating Income (TE) 162,117 22,308
Non-interest Expense 89,814 12,743
Provision for Loan & Lease Losses 27,890 6,675
Pretax Operating Income (TE) 44,413 40,689
Pretax Net Operating Income (TE) 44,413 40,868
Applicable Income Taxes 17,276 14,591
Net Operating Income 27,137 25,626
Net Income 27,137 25,486
Cash Dividends Declared 26,000 21,153
Retained Earnings 1,137 15,362