first republic bank said its profit declined in the fourth quarter as loan origination decreased and expenses surged from a year earlier the san franciscobased lender reported net income of 386 million down 36 from the yearearlier quarter analysts polled by factset had expected 334 million earnings per share were 188 down 69 from a year ago revenue rose 52 to 14 billion on par with the 143 billion analysts were expecting net interest income increased 49 to 117 billion slightly below the 118 billion expected by analysts total interest expense jumped to 525 million from 47 million and total noninterest expense increased to 919 million from 866 million in the yearearlier period the bank had a creditloss provision of 30 million in the quarter