Net Income Analysis ( % relative to Total Revenue )
Income Statement Shinhan Bank America All Insured Commercial Banks in New York
Interest and Fees on Loans 38,823 41,190
Income from Lease Financing Receivables — 11
— 99
Estimated Tax Benefit from Tax-Exempt Loan Income — 52
Income on Loans and Leases (TE) 38,823 41,538
Investment Interest Income (TE) 1,031 6,772
Total Interest Income (TE) 40,166 51,262
Total Interest Expense 4,621 6,465
Net Interest Income (TE) 35,545 44,373
Non-Interest Income 9,029 11,435
Adjusted Operating Income (TE) 44,574 60,531
Non-interest Expense 32,977 38,074
Provision for Loan & Lease Losses -3,224 2,203
Pretax Operating Income (TE) 14,821 19,351
Pretax Net Operating Income (TE) 14,821 20,027
Applicable Income Taxes 5,966 5,930
Net Operating Income 8,855 13,255
Net Income 8,855 13,254
Cash Dividends Declared — 2,280
Retained Earnings 8,855 7,706