Net Income Analysis ( % relative to Total Revenue )
Income Statement Santander Bank, N.A. All Insured Commercial Banks in Delaware
Interest and Fees on Loans 1,840,572 1,001,614
Income from Lease Financing Receivables 33,418 23,544
5,546 31,054
Estimated Tax Benefit from Tax-Exempt Loan Income 1,258 15,927
Income on Loans and Leases (TE) 1,875,248 1,041,085
Investment Interest Income (TE) 282,821 251,880
Total Interest Income (TE) 2,219,041 1,321,383
Total Interest Expense 477,220 162,492
Net Interest Income (TE) 1,741,821 1,158,891
Non-Interest Income 919,986 571,941
Adjusted Operating Income (TE) 2,661,807 1,730,832
Non-interest Expense 2,327,541 1,180,879
Provision for Loan & Lease Losses 156,823 91,751
Pretax Operating Income (TE) 177,443 458,202
Pretax Net Operating Income (TE) 235,169 463,389
Applicable Income Taxes 80,898 110,984
Net Operating Income 151,915 332,010
Net Income 151,915 318,459
Cash Dividends Declared — 204,476
Retained Earnings 151,915 113,982