First Bank Texas, Ssb
Baird, TX — State Savings Bank
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Net Income Analysis
( % relative to Total Revenue )
| Income Statement | First Bank Texas, Ssb | All Insured Savings Banks in Texas |
| Interest and Fees on Loans | 19,688 | 25,416 |
| Income from Lease Financing Receivables | — | 37 |
| 5 | 19 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | 3 | 10 |
| Income on Loans and Leases (TE) | 19,691 | 25,508 |
| Investment Interest Income (TE) | 96 | 1,744 |
| Total Interest Income (TE) | 19,948 | 27,653 |
| Total Interest Expense | 1,304 | 2,983 |
| Net Interest Income (TE) | 18,644 | 24,676 |
| Non-Interest Income | 4,407 | 8,040 |
| Adjusted Operating Income (TE) | 23,051 | 32,713 |
| Non-interest Expense | 16,525 | 20,373 |
| Provision for Loan & Lease Losses | 229 | 900 |
| Pretax Operating Income (TE) | 6,297 | 11,517 |
| Pretax Net Operating Income (TE) | 6,297 | 11,901 |
| Applicable Income Taxes | 2,110 | 1,411 |
| Net Operating Income | 4,169 | 10,708 |
| Net Income | 4,169 | 10,708 |
| Cash Dividends Declared | 3,600 | 4,954 |
| Retained Earnings | 569 | 5,973 |