Net Income Analysis ( % relative to Total Revenue )
Income Statement Crowell State Bank All Insured Commercial Banks in Texas
Interest and Fees on Loans 1,373 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) 1,375 10,941
Investment Interest Income (TE) 88 2,007
Total Interest Income (TE) 1,531 13,476
Total Interest Expense 100 1,063
Net Interest Income (TE) 1,431 12,338
Non-Interest Income 366 2,639
Adjusted Operating Income (TE) 1,797 15,335
Non-interest Expense 1,143 9,693
Provision for Loan & Lease Losses 16 524
Pretax Operating Income (TE) 638 4,819
Pretax Net Operating Income (TE) 638 4,946
Applicable Income Taxes — 576
Net Operating Income 636 3,858
Net Income 636 3,845
Cash Dividends Declared 470 1,701
Retained Earnings 166 1,997