Net Income Analysis ( % relative to Total Revenue )
Income Statement Charter Alliance Bank All Insured Commercial Banks in Texas
Interest and Fees on Loans 1,191 7,940
Income from Lease Financing Receivables — 1
— 32
Estimated Tax Benefit from Tax-Exempt Loan Income — 14
Income on Loans and Leases (TE) 1,191 8,001
Investment Interest Income (TE) — 1,795
Total Interest Income (TE) 1,220 10,141
Total Interest Expense 248 1,971
Net Interest Income (TE) 972 8,089
Non-Interest Income 77 1,639
Adjusted Operating Income (TE) 1,049 9,841
Non-interest Expense 799 6,761
Provision for Loan & Lease Losses 101 779
Pretax Operating Income (TE) 149 2,237
Pretax Net Operating Income (TE) 149 2,367
Applicable Income Taxes 54 215
Net Operating Income 95 1,880
Net Income 95 1,912
Cash Dividends Declared — 818
Retained Earnings 95 969