Net Income Analysis ( % relative to Total Revenue )
Income Statement Citizens National Bank Of Wills Point All Insured Commercial Banks in Texas
Interest and Fees on Loans 3,197 8,085
Income from Lease Financing Receivables — 2
— 32
Estimated Tax Benefit from Tax-Exempt Loan Income — 16
Income on Loans and Leases (TE) 3,197 8,134
Investment Interest Income (TE) 769 1,525
Total Interest Income (TE) 4,082 10,050
Total Interest Expense 437 784
Net Interest Income (TE) 3,645 9,214
Non-Interest Income 565 1,983
Adjusted Operating Income (TE) 4,210 11,477
Non-interest Expense 3,499 7,142
Provision for Loan & Lease Losses — 367
Pretax Operating Income (TE) 711 3,692
Pretax Net Operating Income (TE) 711 3,794
Applicable Income Taxes — 445
Net Operating Income 493 2,947
Net Income 493 2,937
Cash Dividends Declared 1,628 1,177
Retained Earnings -1,135 1,664