Net Income Analysis ( % relative to Total Revenue )
Income Statement Ciera Bank All Insured Commercial Banks in Texas
Interest and Fees on Loans 21,816 10,872
Income from Lease Financing Receivables — 2
34 44
Estimated Tax Benefit from Tax-Exempt Loan Income 18 22
Income on Loans and Leases (TE) 21,834 10,941
Investment Interest Income (TE) 2,004 2,007
Total Interest Income (TE) 24,048 13,476
Total Interest Expense 1,676 1,063
Net Interest Income (TE) 22,372 12,338
Non-Interest Income 2,765 2,639
Adjusted Operating Income (TE) 25,137 15,335
Non-interest Expense 13,427 9,693
Provision for Loan & Lease Losses 529 524
Pretax Operating Income (TE) 11,181 4,819
Pretax Net Operating Income (TE) 11,203 4,946
Applicable Income Taxes — 576
Net Operating Income 10,483 3,858
Net Income 10,483 3,845
Cash Dividends Declared 7,642 1,701
Retained Earnings 2,841 1,997