Net Income Analysis ( % relative to Total Revenue )
Income Statement Coastal Banc, S.S.B. All Insured Savings Banks in Texas
Interest and Fees on Loans 24,780 5,944
Income from Lease Financing Receivables — 16
— 87
Estimated Tax Benefit from Tax-Exempt Loan Income — 58
Income on Loans and Leases (TE) 24,780 5,946
Investment Interest Income (TE) 3,675 725
Total Interest Income (TE) 28,655 6,725
Total Interest Expense 10,867 1,994
Net Interest Income (TE) 17,788 4,732
Non-Interest Income 3,631 1,044
Adjusted Operating Income (TE) 21,419 5,777
Non-interest Expense 13,539 3,641
Provision for Loan & Lease Losses 450 388
Pretax Operating Income (TE) 7,430 8,010
Pretax Net Operating Income (TE) 7,630 10,472
Applicable Income Taxes 2,678 766
Net Operating Income 4,952 10,441
Net Income 4,952 10,441
Cash Dividends Declared 2,064 18,706
Retained Earnings 2,888 2,445