Net Income Analysis ( % relative to Total Revenue )
Income Statement Bandera Bank All Insured Commercial Banks in Texas
Interest and Fees on Loans 1,931 10,872
Income from Lease Financing Receivables — 2
— 44
Estimated Tax Benefit from Tax-Exempt Loan Income — 22
Income on Loans and Leases (TE) 1,931 10,941
Investment Interest Income (TE) 80 2,007
Total Interest Income (TE) 2,087 13,476
Total Interest Expense 85 1,063
Net Interest Income (TE) 2,002 12,338
Non-Interest Income 395 2,639
Adjusted Operating Income (TE) 2,397 15,335
Non-interest Expense 1,734 9,693
Provision for Loan & Lease Losses 48 524
Pretax Operating Income (TE) 615 4,819
Pretax Net Operating Income (TE) 615 4,946
Applicable Income Taxes — 576
Net Operating Income 615 3,858
Net Income 615 3,845
Cash Dividends Declared 414 1,701
Retained Earnings 201 1,997