Net Income Analysis ( % relative to Total Revenue )
Income Statement Commercial State Bank All Insured Commercial Banks in Texas
Interest and Fees on Loans 2,718 10,872
Income from Lease Financing Receivables — 2
22 44
Estimated Tax Benefit from Tax-Exempt Loan Income 11 22
Income on Loans and Leases (TE) 2,729 10,941
Investment Interest Income (TE) 391 2,007
Total Interest Income (TE) 3,161 13,476
Total Interest Expense 137 1,063
Net Interest Income (TE) 3,024 12,338
Non-Interest Income 826 2,639
Adjusted Operating Income (TE) 3,850 15,335
Non-interest Expense 2,561 9,693
Provision for Loan & Lease Losses 325 524
Pretax Operating Income (TE) 964 4,819
Pretax Net Operating Income (TE) 949 4,946
Applicable Income Taxes — 576
Net Operating Income 844 3,858
Net Income 844 3,845
Cash Dividends Declared 690 1,701
Retained Earnings 154 1,997