Net Income Analysis ( % relative to Total Revenue )
Income Statement First National Bank In Dalhart All Insured Commercial Banks in Texas
Interest and Fees on Loans 1,476 8,085
Income from Lease Financing Receivables — 2
106 32
Estimated Tax Benefit from Tax-Exempt Loan Income 55 16
Income on Loans and Leases (TE) 1,531 8,134
Investment Interest Income (TE) 318 1,525
Total Interest Income (TE) 1,888 10,050
Total Interest Expense 51 784
Net Interest Income (TE) 1,837 9,214
Non-Interest Income 93 1,983
Adjusted Operating Income (TE) 1,930 11,477
Non-interest Expense 1,247 7,142
Provision for Loan & Lease Losses 6 367
Pretax Operating Income (TE) 677 3,692
Pretax Net Operating Income (TE) 678 3,794
Applicable Income Taxes — 445
Net Operating Income 555 2,947
Net Income 555 2,937
Cash Dividends Declared 168 1,177
Retained Earnings 387 1,664