Net Income Analysis ( % relative to Total Revenue )
Income Statement Union Safe Deposit Bank All Insured Commercial Banks in California
Interest and Fees on Loans 6,599 22,528
Income from Lease Financing Receivables 319 5,584
8 962
Estimated Tax Benefit from Tax-Exempt Loan Income 4 534
Income on Loans and Leases (TE) 6,922 21,722
Investment Interest Income (TE) 2,453 8,970
Total Interest Income (TE) 9,659 23,453
Total Interest Expense 2,032 4,446
Net Interest Income (TE) 7,627 18,958
Non-Interest Income 2,824 5,201
Adjusted Operating Income (TE) 10,451 25,154
Non-interest Expense 6,843 14,512
Provision for Loan & Lease Losses 204 1,459
Pretax Operating Income (TE) 3,404 29,565
Pretax Net Operating Income (TE) 3,226 29,603
Applicable Income Taxes 1,119 10,576
Net Operating Income 2,004 18,295
Net Income 2,004 18,291
Cash Dividends Declared — 15,209
Retained Earnings 2,004 11,911