Net Income Analysis ( % relative to Total Revenue )
Income Statement Citizens National Bank All Insured Commercial Banks in Texas
Interest and Fees on Loans 41,391 10,872
Income from Lease Financing Receivables 291 2
490 44
Estimated Tax Benefit from Tax-Exempt Loan Income 264 22
Income on Loans and Leases (TE) 41,946 10,941
Investment Interest Income (TE) 15,324 2,007
Total Interest Income (TE) 57,962 13,476
Total Interest Expense 3,030 1,063
Net Interest Income (TE) 54,932 12,338
Non-Interest Income 21,217 2,639
Adjusted Operating Income (TE) 76,149 15,335
Non-interest Expense 55,113 9,693
Provision for Loan & Lease Losses 1,860 524
Pretax Operating Income (TE) 19,176 4,819
Pretax Net Operating Income (TE) 19,212 4,946
Applicable Income Taxes 3,802 576
Net Operating Income 12,768 3,858
Net Income 12,768 3,845
Cash Dividends Declared 8,999 1,701
Retained Earnings 3,769 1,997