Bank Analysis School Case Study

APPENDIX B: Income s tatement di agram

Interest income (primarily from loans and investments)

Net interest income

Interest expense (from deposits and borrowings)

Deposit service charges

Fiduciary (trust) income

Securities brokerage income

Noninterest income

Insurance commissions/fees

Mortgage banking income (fees from loan sales and servicing)

Net income

Other noninterest income

Personnel expense

Overhead costs

Occupancy expense

Other operating expense

Provision expense

Realized securities gains/losses

Taxes