Net Income Analysis ( % relative to Total Revenue )
Income Statement Citizens State Bank All Insured Commercial Banks in Texas
Interest and Fees on Loans 6,289 10,872
Income from Lease Financing Receivables — 2
3 44
Estimated Tax Benefit from Tax-Exempt Loan Income 2 22
Income on Loans and Leases (TE) 6,291 10,941
Investment Interest Income (TE) 25 2,007
Total Interest Income (TE) 6,380 13,476
Total Interest Expense 373 1,063
Net Interest Income (TE) 6,007 12,338
Non-Interest Income 415 2,639
Adjusted Operating Income (TE) 6,422 15,335
Non-interest Expense 2,749 9,693
Provision for Loan & Lease Losses 165 524
Pretax Operating Income (TE) 3,508 4,819
Pretax Net Operating Income (TE) 3,508 4,946
Applicable Income Taxes — 576
Net Operating Income 3,506 3,858
Net Income 3,506 3,845
Cash Dividends Declared 2,343 1,701
Retained Earnings 1,163 1,997