First National Bank
Spearman, TX — National Bank
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Net Income Analysis
( % relative to Total Revenue )
| Income Statement | First National Bank | All Insured Commercial Banks in Texas |
| Interest and Fees on Loans | 6,679 | 10,872 |
| Income from Lease Financing Receivables | 8 | 2 |
| 88 | 44 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | 45 | 22 |
| Income on Loans and Leases (TE) | 6,732 | 10,941 |
| Investment Interest Income (TE) | 2,025 | 2,007 |
| Total Interest Income (TE) | 8,922 | 13,476 |
| Total Interest Expense | 719 | 1,063 |
| Net Interest Income (TE) | 8,203 | 12,338 |
| Non-Interest Income | 900 | 2,639 |
| Adjusted Operating Income (TE) | 9,103 | 15,335 |
| Non-interest Expense | 5,012 | 9,693 |
| Provision for Loan & Lease Losses | 130 | 524 |
| Pretax Operating Income (TE) | 3,961 | 4,819 |
| Pretax Net Operating Income (TE) | 3,922 | 4,946 |
| Applicable Income Taxes | 4 | 576 |
| Net Operating Income | 3,261 | 3,858 |
| Net Income | 3,261 | 3,845 |
| Cash Dividends Declared | 1,121 | 1,701 |
| Retained Earnings | 2,140 | 1,997 |