Net Income Analysis ( % relative to Total Revenue )
Income Statement First National Bank Texas All Insured Commercial Banks in Texas
Interest and Fees on Loans 24,792 10,872
Income from Lease Financing Receivables — 2
867 44
Estimated Tax Benefit from Tax-Exempt Loan Income 460 22
Income on Loans and Leases (TE) 25,252 10,941
Investment Interest Income (TE) 14,047 2,007
Total Interest Income (TE) 40,166 13,476
Total Interest Expense 922 1,063
Net Interest Income (TE) 39,244 12,338
Non-Interest Income 252,682 2,639
Adjusted Operating Income (TE) 291,926 15,335
Non-interest Expense 255,236 9,693
Provision for Loan & Lease Losses 19,041 524
Pretax Operating Income (TE) 17,649 4,819
Pretax Net Operating Income (TE) 17,680 4,946
Applicable Income Taxes — 576
Net Operating Income 15,033 3,858
Net Income 15,033 3,845
Cash Dividends Declared — 1,701
Retained Earnings 15,033 1,997