Net Income Analysis ( % relative to Total Revenue )
Income Statement Mbna America Delaware, National Association All Insured Commercial Banks in Delaware
Interest and Fees on Loans 211,695 177,020
Income from Lease Financing Receivables — 10,356
— 256
Estimated Tax Benefit from Tax-Exempt Loan Income — 124
Income on Loans and Leases (TE) 211,695 179,377
Investment Interest Income (TE) 211 32,404
Total Interest Income (TE) 217,889 33,914
Total Interest Expense 96,368 14,304
Net Interest Income (TE) 121,521 19,609
Non-Interest Income 167,275 85,531
Adjusted Operating Income (TE) 288,796 40,344
Non-interest Expense 116,784 19,259
Provision for Loan & Lease Losses 71,753 45,537
Pretax Operating Income (TE) 100,259 69,817
Pretax Net Operating Income (TE) 100,201 70,376
Applicable Income Taxes 36,304 24,631
Net Operating Income 63,897 45,234
Net Income 63,897 45,022
Cash Dividends Declared — 62,411
Retained Earnings 63,897 22,018