Net Income Analysis ( % relative to Total Revenue )
Income Statement Citizens State Bank Of Luling All Insured Commercial Banks in Texas
Interest and Fees on Loans 2,668 10,872
Income from Lease Financing Receivables — 2
7 44
Estimated Tax Benefit from Tax-Exempt Loan Income 4 22
Income on Loans and Leases (TE) 2,672 10,941
Investment Interest Income (TE) 121 2,007
Total Interest Income (TE) 2,845 13,476
Total Interest Expense 103 1,063
Net Interest Income (TE) 2,742 12,338
Non-Interest Income 374 2,639
Adjusted Operating Income (TE) 3,116 15,335
Non-interest Expense 2,554 9,693
Provision for Loan & Lease Losses 80 524
Pretax Operating Income (TE) 482 4,819
Pretax Net Operating Income (TE) 482 4,946
Applicable Income Taxes 147 576
Net Operating Income 309 3,858
Net Income 309 3,845
Cash Dividends Declared — 1,701
Retained Earnings 309 1,997