Net Income Analysis ( % relative to Total Revenue )
Income Statement Western State Bank All Insured Commercial Banks in California
Interest and Fees on Loans 259 16,516
Income from Lease Financing Receivables — 4,021
— 812
Estimated Tax Benefit from Tax-Exempt Loan Income — 441
Income on Loans and Leases (TE) 259 16,029
Investment Interest Income (TE) 28 5,709
Total Interest Income (TE) 344 17,309
Total Interest Expense 74 5,505
Net Interest Income (TE) 270 11,817
Non-Interest Income 32 2,851
Adjusted Operating Income (TE) 302 14,874
Non-interest Expense 279 8,197
Provision for Loan & Lease Losses — 1,221
Pretax Operating Income (TE) 23 17,598
Pretax Net Operating Income (TE) 23 17,527
Applicable Income Taxes — 6,026
Net Operating Income 23 10,887
Net Income 23 10,902
Cash Dividends Declared — 11,569
Retained Earnings 23 6,846