Net Income Analysis ( % relative to Total Revenue )
Income Statement Greater Bay Bank, National Association All Insured Commercial Banks in California
Interest and Fees on Loans 93,783 34,612
Income from Lease Financing Receivables 6,351 8,311
— 2,642
Estimated Tax Benefit from Tax-Exempt Loan Income — 1,264
Income on Loans and Leases (TE) 100,134 34,813
Investment Interest Income (TE) 2,449 11,361
Total Interest Income (TE) 104,833 33,548
Total Interest Expense 38,520 12,758
Net Interest Income (TE) 66,313 20,945
Non-Interest Income 11,374 5,207
Adjusted Operating Income (TE) 77,687 26,087
Non-interest Expense 47,022 15,732
Provision for Loan & Lease Losses 3,476 4,659
Pretax Operating Income (TE) 27,189 31,803
Pretax Net Operating Income (TE) 27,177 30,601
Applicable Income Taxes 9,422 9,720
Net Operating Income 17,427 19,123
Net Income 17,427 19,118
Cash Dividends Declared — 23,852
Retained Earnings 17,427 10,673