Net Income Analysis ( % relative to Total Revenue )
Income Statement Citizens State Bank All Insured Commercial Banks in Texas
Interest and Fees on Loans 956 8,501
Income from Lease Financing Receivables — 2
— 27
Estimated Tax Benefit from Tax-Exempt Loan Income — 13
Income on Loans and Leases (TE) 956 8,546
Investment Interest Income (TE) 326 1,729
Total Interest Income (TE) 1,321 10,665
Total Interest Expense 178 1,025
Net Interest Income (TE) 1,143 9,577
Non-Interest Income 169 2,185
Adjusted Operating Income (TE) 1,312 11,988
Non-interest Expense 1,148 8,047
Provision for Loan & Lease Losses 135 254
Pretax Operating Income (TE) 29 3,618
Pretax Net Operating Income (TE) 29 3,666
Applicable Income Taxes — 380
Net Operating Income 25 2,901
Net Income 25 2,895
Cash Dividends Declared 15 1,162
Retained Earnings 10 1,593