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	INCOME STATEMENT
	Commercial Bank — Projected ($mm)
		FY2024	FY2025	FY2026	FY2027	FY2028	FY2029	FY2030	FY2031	FY2032	FY2033	FY2034	FY2035
	INTEREST INCOME
	Interest Income - Loans	$870	$950	$1,011	$1,067	$1,126	$1,188	$1,253	$1,322	$1,395	$1,471	$1,552	$1,638
	Interest Income - Securities	$85	$90	$100	$103	$107	$111	$115	$119	$123	$127	$131	$136
	Interest Income - Other	$35	$57	$117	$234	$467	$935	$1,870	$3,739	$7,478	$14,957	$29,914	$59,827
	Total Interest Income	$990	$1,097	$1,228	$1,404	$1,700	$2,233	$3,237	$5,180	$8,996	$16,555	$31,597	$61,601
	INTEREST EXPENSE
	Interest Expense - Deposits	$285	$310	$342	$357	$373	$390	$408	$426	$445	$465	$486	$508
	Interest Expense - Borrowings	$75	$82	$86	$88	$91	$93	$95	$97	$100	$102	$105	$108
	Interest Expense - Other	$20	$25	$26	$26	$27	$27	$28	$28	$29	$29	$30	$30
	Total Interest Expense	$380	$417	$454	$472	$490	$510	$530	$552	$574	$597	$621	$646
	Net Interest Income	$610	$680	$775	$932	$1,210	$1,723	$2,707	$4,628	$8,422	$15,958	$30,976	$60,955
	Provision for Credit Losses	$145	$168	$157	$165	$174	$184	$194	$205	$216	$228	$240	$253
	NII After Provision	$465	$512	$618	$767	$1,035	$1,539	$2,513	$4,423	$8,206	$15,730	$30,736	$60,701
	NON-INTEREST INCOME
	Service Charges	$120	$124	$128	$132	$135	$140	$144	$148	$153	$157	$162	$167
	Trading Income	$85	$87	$89	$91	$92	$94	$96	$98	$100	$102	$104	$106
	Mortgage Banking	$65	$67	$69	$70	$72	$74	$76	$78	$80	$82	$84	$86
	Other Non-Interest Income	$100	$104	$107	$110	$114	$117	$121	$124	$128	$132	$136	$140
	Total Non-Interest Income	$370	$382	$392	$403	$414	$425	$436	$448	$460	$472	$485	$498
	Total Revenue	$835	$894	$1,010	$1,170	$1,449	$1,964	$2,949	$4,871	$8,666	$16,203	$31,221	$61,199
	OPERATING EXPENSES
	Compensation & Benefits	$420	$445	$461	$477	$493	$511	$529	$547	$566	$586	$606	$628
	Occupancy	$95	$98	$100	$102	$104	$106	$108	$110	$113	$115	$117	$119
	Technology	$155	$165	$172	$180	$188	$197	$206	$215	$225	$235	$245	$256
	Other Operating Expense	$119	$127	$130	$133	$137	$140	$144	$147	$151	$155	$159	$163
	Total Operating Expense	$789	$835	$863	$892	$922	$954	$986	$1,020	$1,054	$1,090	$1,127	$1,166
	PPNR	($179)	($155)	($89)	$40	$287	$769	$1,721	$3,608	$7,368	$14,868	$29,849	$59,789
	Pre-Provision Net Revenue
	Pre-Tax Income	$46	$59	$147	$278	$527	$1,010	$1,963	$3,852	$7,612	$15,113	$30,094	$60,033
	Income Tax	$12	$15	$37	$69	$132	$253	$491	$963	$1,903	$3,778	$7,523	$15,008
	Net Income	$35	$44	$110	$208	$395	$758	$1,472	$2,889	$5,709	$11,334	$22,570	$45,025
	Dividends	$12	$15	$39	$73	$138	$265	$515	$1,011	$1,998	$3,967	$7,900	$15,759
	Retained Earnings Addition	$22	$29	$72	$135	$257	$493	$957	$1,878	$3,711	$7,367	$14,671	$29,266