Net Income Analysis ( % relative to Total Revenue )
Income Statement Elgin Bank Of Texas All Insured Commercial Banks in Texas
Interest and Fees on Loans 1,690 2,676
Income from Lease Financing Receivables — 550
5 71
Estimated Tax Benefit from Tax-Exempt Loan Income — 36
Income on Loans and Leases (TE) 1,690 2,695
Investment Interest Income (TE) 445 837
Total Interest Income (TE) 2,204 3,571
Total Interest Expense 444 895
Net Interest Income (TE) 1,760 2,668
Non-Interest Income 279 691
Adjusted Operating Income (TE) 2,039 3,407
Non-interest Expense 1,981 2,174
Provision for Loan & Lease Losses — 278
Pretax Operating Income (TE) 58 2,506
Pretax Net Operating Income (TE) — 2,506
Applicable Income Taxes — 1,036
Net Operating Income — 1,832
Net Income — 1,832
Cash Dividends Declared — 1,090
Retained Earnings — 1,305