Net Income Analysis ( % relative to Total Revenue )
Income Statement Bank Of The West All Insured Commercial Banks in Texas
Interest and Fees on Loans 16,632 10,872
Income from Lease Financing Receivables — 2
27 44
Estimated Tax Benefit from Tax-Exempt Loan Income 14 22
Income on Loans and Leases (TE) 16,646 10,941
Investment Interest Income (TE) 1,039 2,007
Total Interest Income (TE) 17,955 13,476
Total Interest Expense 975 1,063
Net Interest Income (TE) 16,980 12,338
Non-Interest Income 4,091 2,639
Adjusted Operating Income (TE) 21,071 15,335
Non-interest Expense 14,932 9,693
Provision for Loan & Lease Losses 1,369 524
Pretax Operating Income (TE) 4,770 4,819
Pretax Net Operating Income (TE) 4,889 4,946
Applicable Income Taxes — 576
Net Operating Income 4,633 3,858
Net Income 4,633 3,845
Cash Dividends Declared 4,130 1,701
Retained Earnings 503 1,997