First-Lockhart National Bank
Lockhart, TX — National Bank
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Net Income Analysis
( % relative to Total Revenue )
| Income Statement | First-Lockhart National Bank | All Insured Commercial Banks in Texas |
| Interest and Fees on Loans | 8,637 | 10,872 |
| Income from Lease Financing Receivables | — | 2 |
| — | 44 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | — | 22 |
| Income on Loans and Leases (TE) | 8,637 | 10,941 |
| Investment Interest Income (TE) | 745 | 2,007 |
| Total Interest Income (TE) | 9,468 | 13,476 |
| Total Interest Expense | 1,272 | 1,063 |
| Net Interest Income (TE) | 8,196 | 12,338 |
| Non-Interest Income | 2,404 | 2,639 |
| Adjusted Operating Income (TE) | 10,600 | 15,335 |
| Non-interest Expense | 7,908 | 9,693 |
| Provision for Loan & Lease Losses | 180 | 524 |
| Pretax Operating Income (TE) | 2,512 | 4,819 |
| Pretax Net Operating Income (TE) | 2,564 | 4,946 |
| Applicable Income Taxes | 6 | 576 |
| Net Operating Income | 2,558 | 3,858 |
| Net Income | 2,558 | 3,845 |
| Cash Dividends Declared | 1,411 | 1,701 |
| Retained Earnings | 1,147 | 1,997 |