Net Income Analysis ( % relative to Total Revenue )
Income Statement North Coast Bank, National Association All Insured Commercial Banks in California
Interest and Fees on Loans 3,686 20,713
Income from Lease Financing Receivables — 5,575
— 1,133
Estimated Tax Benefit from Tax-Exempt Loan Income — 635
Income on Loans and Leases (TE) 3,686 20,269
Investment Interest Income (TE) 378 10,715
Total Interest Income (TE) 4,135 20,803
Total Interest Expense 771 4,301
Net Interest Income (TE) 3,364 16,341
Non-Interest Income 291 5,211
Adjusted Operating Income (TE) 3,655 22,075
Non-interest Expense 2,630 13,096
Provision for Loan & Lease Losses 183 4,046
Pretax Operating Income (TE) 842 48,684
Pretax Net Operating Income (TE) 842 48,996
Applicable Income Taxes 337 17,729
Net Operating Income 495 30,941
Net Income 495 30,937
Cash Dividends Declared — 33,803
Retained Earnings 495 13,632