Net Income Analysis ( % relative to Total Revenue )
Income Statement Citizens State Bank All Insured Commercial Banks in Texas
Interest and Fees on Loans 17,998 10,872
Income from Lease Financing Receivables — 2
16 44
Estimated Tax Benefit from Tax-Exempt Loan Income 8 22
Income on Loans and Leases (TE) 18,006 10,941
Investment Interest Income (TE) 1,640 2,007
Total Interest Income (TE) 19,846 13,476
Total Interest Expense 886 1,063
Net Interest Income (TE) 18,960 12,338
Non-Interest Income 3,931 2,639
Adjusted Operating Income (TE) 22,891 15,335
Non-interest Expense 14,243 9,693
Provision for Loan & Lease Losses 914 524
Pretax Operating Income (TE) 7,734 4,819
Pretax Net Operating Income (TE) 7,734 4,946
Applicable Income Taxes 2,222 576
Net Operating Income 5,185 3,858
Net Income 5,185 3,845
Cash Dividends Declared 536 1,701
Retained Earnings 4,649 1,997