Net Income Analysis ( % relative to Total Revenue )
Income Statement Citizens State Bank All Insured Commercial Banks in Texas
Interest and Fees on Loans 1,270 10,872
Income from Lease Financing Receivables — 2
— 44
Estimated Tax Benefit from Tax-Exempt Loan Income — 22
Income on Loans and Leases (TE) 1,270 10,941
Investment Interest Income (TE) 66 2,007
Total Interest Income (TE) 1,386 13,476
Total Interest Expense 177 1,063
Net Interest Income (TE) 1,209 12,338
Non-Interest Income 168 2,639
Adjusted Operating Income (TE) 1,377 15,335
Non-interest Expense 931 9,693
Provision for Loan & Lease Losses 73 524
Pretax Operating Income (TE) 373 4,819
Pretax Net Operating Income (TE) 373 4,946
Applicable Income Taxes 109 576
Net Operating Income 264 3,858
Net Income 264 3,845
Cash Dividends Declared — 1,701
Retained Earnings 264 1,997