Net Income Analysis ( % relative to Total Revenue )
Income Statement Austin Capital Bank Ssb All Insured Savings Banks in Texas
Interest and Fees on Loans 4,340 25,416
Income from Lease Financing Receivables — 37
— 19
Estimated Tax Benefit from Tax-Exempt Loan Income — 10
Income on Loans and Leases (TE) 4,340 25,508
Investment Interest Income (TE) 50 1,744
Total Interest Income (TE) 4,481 27,653
Total Interest Expense 850 2,983
Net Interest Income (TE) 3,631 24,676
Non-Interest Income 391 8,040
Adjusted Operating Income (TE) 4,022 32,713
Non-interest Expense 2,425 20,373
Provision for Loan & Lease Losses 50 900
Pretax Operating Income (TE) 1,547 11,517
Pretax Net Operating Income (TE) 1,547 11,901
Applicable Income Taxes 506 1,411
Net Operating Income 1,041 10,708
Net Income 1,041 10,708
Cash Dividends Declared — 4,954
Retained Earnings 1,041 5,973