Pacific Mercantile Bank
Costa Mesa, CA — State Member Bank
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Net Income Analysis
( % relative to Total Revenue )
Income Statement | Pacific Mercantile Bank | All Insured Commercial Banks in California |
Interest and Fees on Loans | 38,521 | 39,600 |
Income from Lease Financing Receivables | — | 93 |
— | 41 | |
Estimated Tax Benefit from Tax-Exempt Loan Income | — | 21 |
Income on Loans and Leases (TE) | 38,521 | 39,939 |
Investment Interest Income (TE) | 794 | 4,547 |
Total Interest Income (TE) | 40,941 | 46,718 |
Total Interest Expense | 4,891 | 3,460 |
Net Interest Income (TE) | 36,050 | 42,511 |
Non-Interest Income | 3,233 | 7,405 |
Adjusted Operating Income (TE) | 39,283 | 56,117 |
Non-interest Expense | 34,928 | 31,848 |
Provision for Loan & Lease Losses | 19,870 | 726 |
Pretax Operating Income (TE) | -15,515 | 20,596 |
Pretax Net Operating Income (TE) | -15,515 | 21,052 |
Applicable Income Taxes | 16,839 | 7,212 |
Net Operating Income | -32,354 | 12,949 |
Net Income | -32,354 | 12,577 |
Cash Dividends Declared | — | 2,927 |
Retained Earnings | -32,354 | 8,927 |