Net Income Analysis ( % relative to Total Revenue )
Income Statement Sonoma Valley Bank All Insured Commercial Banks in California
Interest and Fees on Loans 7,375 10,259
Income from Lease Financing Receivables — 7
54 4
Estimated Tax Benefit from Tax-Exempt Loan Income — 1
Income on Loans and Leases (TE) 7,375 10,325
Investment Interest Income (TE) 428 1,156
Total Interest Income (TE) 7,847 11,850
Total Interest Expense 1,691 2,186
Net Interest Income (TE) 6,156 9,416
Non-Interest Income 913 1,492
Adjusted Operating Income (TE) 7,069 11,695
Non-interest Expense 3,447 7,796
Provision for Loan & Lease Losses 4,200 3,224
Pretax Operating Income (TE) -578 438
Pretax Net Operating Income (TE) -339 565
Applicable Income Taxes — 315
Net Operating Income -339 245
Net Income -339 236
Cash Dividends Declared — 59
Retained Earnings -339 -43