Morgan Stanley Bank, National Association
Salt Lake City, UT — National Bank
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Net Income Analysis
( % relative to Total Revenue )
| Income Statement | Morgan Stanley Bank, National Association | All Insured Commercial Banks in Utah |
| Interest and Fees on Loans | 1,551,000 | 144,231 |
| Income from Lease Financing Receivables | — | 818 |
| — | 4 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | — | 2 |
| Income on Loans and Leases (TE) | 1,551,000 | 146,912 |
| Investment Interest Income (TE) | 824,000 | 15,631 |
| Total Interest Income (TE) | 2,616,000 | 170,509 |
| Total Interest Expense | 71,000 | 9,414 |
| Net Interest Income (TE) | 2,545,000 | 157,917 |
| Non-Interest Income | 1,366,000 | 37,042 |
| Adjusted Operating Income (TE) | 3,911,000 | 194,902 |
| Non-interest Expense | 570,000 | 58,470 |
| Provision for Loan & Lease Losses | 62,000 | 8,897 |
| Pretax Operating Income (TE) | 3,279,000 | 98,475 |
| Pretax Net Operating Income (TE) | 3,307,000 | 99,300 |
| Applicable Income Taxes | 1,223,000 | 34,978 |
| Net Operating Income | 2,084,000 | 63,063 |
| Net Income | 2,084,000 | 63,059 |
| Cash Dividends Declared | 1,900,000 | 20,004 |
| Retained Earnings | 184,000 | 29,291 |