Net Income Analysis ( % relative to Total Revenue )
Income Statement San Diego National Bank All Insured Commercial Banks in California
Interest and Fees on Loans 103,872 20,364
Income from Lease Financing Receivables — 8,567
488 2,130
Estimated Tax Benefit from Tax-Exempt Loan Income — 2,099
Income on Loans and Leases (TE) 103,872 20,484
Investment Interest Income (TE) 9,852 7,745
Total Interest Income (TE) 115,778 20,866
Total Interest Expense 45,154 5,609
Net Interest Income (TE) 70,624 14,397
Non-Interest Income 3,883 11,389
Adjusted Operating Income (TE) 74,507 18,081
Non-interest Expense 55,173 12,323
Provision for Loan & Lease Losses 102,500 12,066
Pretax Operating Income (TE) — 15,389
Pretax Net Operating Income (TE) — 14,105
Applicable Income Taxes — 3,459
Net Operating Income — 8,976
Net Income — 9,260
Cash Dividends Declared — 6,090
Retained Earnings — 6,451