Net Income Analysis ( % relative to Total Revenue )
Income Statement American Bank, National Association All Insured Commercial Banks in Texas
Interest and Fees on Loans 35,433 10,872
Income from Lease Financing Receivables — 2
— 44
Estimated Tax Benefit from Tax-Exempt Loan Income — 22
Income on Loans and Leases (TE) 35,433 10,941
Investment Interest Income (TE) 10,611 2,007
Total Interest Income (TE) 46,491 13,476
Total Interest Expense 586 1,063
Net Interest Income (TE) 45,905 12,338
Non-Interest Income 9,373 2,639
Adjusted Operating Income (TE) 55,278 15,335
Non-interest Expense 37,415 9,693
Provision for Loan & Lease Losses 600 524
Pretax Operating Income (TE) 17,263 4,819
Pretax Net Operating Income (TE) 17,263 4,946
Applicable Income Taxes — 576
Net Operating Income 14,730 3,858
Net Income 14,730 3,845
Cash Dividends Declared 10,700 1,701
Retained Earnings 4,030 1,997