Net Income Analysis ( % relative to Total Revenue )
Income Statement First Bankamericano All Insured Commercial Banks in New Jersey
Interest and Fees on Loans 3,234 9,097
Income from Lease Financing Receivables — 1,862
— 150
Estimated Tax Benefit from Tax-Exempt Loan Income — 49
Income on Loans and Leases (TE) 3,234 9,279
Investment Interest Income (TE) 540 1,601
Total Interest Income (TE) 3,790 10,103
Total Interest Expense 2,004 3,735
Net Interest Income (TE) 1,786 6,279
Non-Interest Income 334 1,689
Adjusted Operating Income (TE) 2,120 8,629
Non-interest Expense 4,328 6,985
Provision for Loan & Lease Losses 1,415 3,043
Pretax Operating Income (TE) — 5,417
Pretax Net Operating Income (TE) — 5,815
Applicable Income Taxes — 1,367
Net Operating Income — 3,803
Net Income — 3,803
Cash Dividends Declared — 3,879
Retained Earnings — 1,104