Net Income Analysis ( % relative to Total Revenue )
Income Statement First National Bank All Insured Commercial Banks in Texas
Interest and Fees on Loans 2,226 10,872
Income from Lease Financing Receivables — 2
23 44
Estimated Tax Benefit from Tax-Exempt Loan Income 12 22
Income on Loans and Leases (TE) 2,238 10,941
Investment Interest Income (TE) 698 2,007
Total Interest Income (TE) 2,961 13,476
Total Interest Expense 183 1,063
Net Interest Income (TE) 2,778 12,338
Non-Interest Income 339 2,639
Adjusted Operating Income (TE) 3,117 15,335
Non-interest Expense 2,131 9,693
Provision for Loan & Lease Losses 389 524
Pretax Operating Income (TE) 597 4,819
Pretax Net Operating Income (TE) 879 4,946
Applicable Income Taxes — 576
Net Operating Income 709 3,858
Net Income 709 3,845
Cash Dividends Declared 490 1,701
Retained Earnings 219 1,997