Net Income Analysis ( % relative to Total Revenue )
Income Statement Community National Bank All Insured Commercial Banks in Texas
Interest and Fees on Loans 5,829 10,872
Income from Lease Financing Receivables 79 2
69 44
Estimated Tax Benefit from Tax-Exempt Loan Income 34 22
Income on Loans and Leases (TE) 5,942 10,941
Investment Interest Income (TE) 1,429 2,007
Total Interest Income (TE) 7,555 13,476
Total Interest Expense 543 1,063
Net Interest Income (TE) 7,012 12,338
Non-Interest Income 1,809 2,639
Adjusted Operating Income (TE) 8,821 15,335
Non-interest Expense 6,085 9,693
Provision for Loan & Lease Losses 150 524
Pretax Operating Income (TE) 2,586 4,819
Pretax Net Operating Income (TE) 2,609 4,946
Applicable Income Taxes 456 576
Net Operating Income 1,753 3,858
Net Income 1,753 3,845
Cash Dividends Declared 530 1,701
Retained Earnings 1,223 1,997