Net Income Analysis ( % relative to Total Revenue )
Income Statement United Commercial Bank All Insured Commercial Banks in California
Interest and Fees on Loans 312,360 20,364
Income from Lease Financing Receivables 139 8,567
— 2,130
Estimated Tax Benefit from Tax-Exempt Loan Income — 2,099
Income on Loans and Leases (TE) 312,499 20,484
Investment Interest Income (TE) 104,002 7,745
Total Interest Income (TE) 425,826 20,866
Total Interest Expense 202,399 5,609
Net Interest Income (TE) 223,427 14,397
Non-Interest Income 1,883 11,389
Adjusted Operating Income (TE) 225,310 18,081
Non-interest Expense 646,177 12,323
Provision for Loan & Lease Losses 612,552 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 15,000 6,090
Retained Earnings — 6,451