Border Capital Bank, National Association
Mcallen, TX — Domestic Branch of a Domestic Bank
Acquired Nov 2013
Net Income Analysis
( % relative to Total Revenue )
| Income Statement | Border Capital Bank, National Association | All Insured Commercial Banks in Texas |
| Interest and Fees on Loans | 4,079 | 6,262 |
| Income from Lease Financing Receivables | — | 1 |
| — | 19 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | — | 9 |
| Income on Loans and Leases (TE) | 4,079 | 6,295 |
| Investment Interest Income (TE) | 621 | 1,251 |
| Total Interest Income (TE) | 4,769 | 7,834 |
| Total Interest Expense | 569 | 772 |
| Net Interest Income (TE) | 4,200 | 7,014 |
| Non-Interest Income | 2,720 | 1,628 |
| Adjusted Operating Income (TE) | 6,920 | 8,819 |
| Non-interest Expense | 5,446 | 5,885 |
| Provision for Loan & Lease Losses | -100 | 185 |
| Pretax Operating Income (TE) | 1,574 | 2,716 |
| Pretax Net Operating Income (TE) | 1,577 | 2,763 |
| Applicable Income Taxes | 419 | 292 |
| Net Operating Income | 1,066 | 2,176 |
| Net Income | 1,066 | 2,166 |
| Cash Dividends Declared | — | 721 |
| Retained Earnings | 1,066 | 1,311 |