Net Income Analysis ( % relative to Total Revenue )
Income Statement Citizens State Bank All Insured Commercial Banks in Texas
Interest and Fees on Loans 4,591 10,872
Income from Lease Financing Receivables — 2
4 44
Estimated Tax Benefit from Tax-Exempt Loan Income 2 22
Income on Loans and Leases (TE) 4,593 10,941
Investment Interest Income (TE) 1,112 2,007
Total Interest Income (TE) 5,734 13,476
Total Interest Expense 551 1,063
Net Interest Income (TE) 5,183 12,338
Non-Interest Income 888 2,639
Adjusted Operating Income (TE) 6,071 15,335
Non-interest Expense 3,252 9,693
Provision for Loan & Lease Losses 255 524
Pretax Operating Income (TE) 2,564 4,819
Pretax Net Operating Income (TE) 2,564 4,946
Applicable Income Taxes — 576
Net Operating Income 2,560 3,858
Net Income 2,560 3,845
Cash Dividends Declared 1,792 1,701
Retained Earnings 768 1,997