Net Income Analysis ( % relative to Total Revenue )
Income Statement Cedar Creek Bank All Insured Commercial Banks in Texas
Interest and Fees on Loans 2,786 3,448
Income from Lease Financing Receivables — 565
47 88
Estimated Tax Benefit from Tax-Exempt Loan Income 24 45
Income on Loans and Leases (TE) 2,810 3,475
Investment Interest Income (TE) 625 1,160
Total Interest Income (TE) 3,698 4,673
Total Interest Expense 662 985
Net Interest Income (TE) 3,036 3,673
Non-Interest Income 1,001 1,043
Adjusted Operating Income (TE) 4,037 4,755
Non-interest Expense 2,920 3,060
Provision for Loan & Lease Losses — 420
Pretax Operating Income (TE) 1,117 3,277
Pretax Net Operating Income (TE) 1,207 3,336
Applicable Income Taxes — 1,343
Net Operating Income 1,150 2,411
Net Income 1,150 2,408
Cash Dividends Declared 417 1,755
Retained Earnings 733 1,507