Keb Hana Bank Usa, National Association
Fort Lee, NJ — National Bank
Acquired Dec 2002
Net Income Analysis
( % relative to Total Revenue )
| Income Statement | Keb Hana Bank Usa, National Association | All Insured Commercial Banks in New Jersey |
| Interest and Fees on Loans | 7,445 | 29,100 |
| Income from Lease Financing Receivables | — | 31 |
| — | 49 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | — | 23 |
| Income on Loans and Leases (TE) | 7,445 | 29,223 |
| Investment Interest Income (TE) | 563 | 2,453 |
| Total Interest Income (TE) | 8,232 | 32,299 |
| Total Interest Expense | 1,559 | 4,682 |
| Net Interest Income (TE) | 6,673 | 27,350 |
| Non-Interest Income | 695 | 7,091 |
| Adjusted Operating Income (TE) | 7,368 | 36,057 |
| Non-interest Expense | 14,304 | 23,648 |
| Provision for Loan & Lease Losses | — | 876 |
| Pretax Operating Income (TE) | -6,936 | 10,871 |
| Pretax Net Operating Income (TE) | -6,945 | 10,995 |
| Applicable Income Taxes | 69 | 2,973 |
| Net Operating Income | -7,014 | 8,462 |
| Net Income | -7,014 | 8,451 |
| Cash Dividends Declared | 20 | 2,119 |
| Retained Earnings | -7,034 | 5,840 |