Net Income Analysis ( % relative to Total Revenue )
Income Statement Community Bank & Trust, Waco, Texas All Insured Commercial Banks in Texas
Interest and Fees on Loans 13,938 10,872
Income from Lease Financing Receivables 8 2
158 44
Estimated Tax Benefit from Tax-Exempt Loan Income 79 22
Income on Loans and Leases (TE) 14,025 10,941
Investment Interest Income (TE) 2,796 2,007
Total Interest Income (TE) 16,963 13,476
Total Interest Expense 1,883 1,063
Net Interest Income (TE) 15,080 12,338
Non-Interest Income 5,249 2,639
Adjusted Operating Income (TE) 20,329 15,335
Non-interest Expense 13,923 9,693
Provision for Loan & Lease Losses 1,080 524
Pretax Operating Income (TE) 5,326 4,819
Pretax Net Operating Income (TE) 5,355 4,946
Applicable Income Taxes 1,099 576
Net Operating Income 3,647 3,858
Net Income 3,647 3,845
Cash Dividends Declared 313 1,701
Retained Earnings 3,334 1,997