Net Income Analysis ( % relative to Total Revenue )
Net Income 4,724,000177.79%Net Operating Income-11,798,000-444.03%Total Operating Income2,657,000100.00%Non-Interest Income2,657,000100.00%Total Operating Expenses14,455,000544.03%Total Interest Expense13,355,000502.63%Provision for Loan & Lease Losses1,100,00041.40%Applicable Income Taxes3,217,000121.08%,,,
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Income Statement Mellon 1St Business Bank, National Association All Insured Commercial Banks in California
Interest and Fees on Loans 16,339 7,717
Income from Lease Financing Receivables — 2,544
— 744
Estimated Tax Benefit from Tax-Exempt Loan Income — 374
Income on Loans and Leases (TE) 16,339 7,761
Investment Interest Income (TE) 19,164 3,033
Total Interest Income (TE) 38,257 8,030
Total Interest Expense 13,355 3,085
Net Interest Income (TE) 24,902 5,108
Non-Interest Income 2,657 1,644
Adjusted Operating Income (TE) 27,559 6,255
Non-interest Expense 18,518 4,091
Provision for Loan & Lease Losses 1,100 2,959
Pretax Operating Income (TE) 7,941 6,622
Pretax Net Operating Income (TE) 7,941 6,461
Applicable Income Taxes 3,217 2,248
Net Operating Income 4,724 4,066
Net Income 4,724 4,062
Cash Dividends Declared — 9,353
Retained Earnings 4,724 2,729