Net Income Analysis ( % relative to Total Revenue )
Income Statement Cypress Bank, Ssb All Insured Savings Banks in Texas
Interest and Fees on Loans 7,104 25,416
Income from Lease Financing Receivables — 37
2 19
Estimated Tax Benefit from Tax-Exempt Loan Income 1 10
Income on Loans and Leases (TE) 7,105 25,508
Investment Interest Income (TE) 959 1,744
Total Interest Income (TE) 8,098 27,653
Total Interest Expense 1,671 2,983
Net Interest Income (TE) 6,427 24,676
Non-Interest Income 991 8,040
Adjusted Operating Income (TE) 7,418 32,713
Non-interest Expense 5,424 20,373
Provision for Loan & Lease Losses 160 900
Pretax Operating Income (TE) 1,834 11,517
Pretax Net Operating Income (TE) 1,834 11,901
Applicable Income Taxes 582 1,411
Net Operating Income 1,208 10,708
Net Income 1,208 10,708
Cash Dividends Declared 335 4,954
Retained Earnings 873 5,973