First Security State Bank
Cranfills Gap, TX — Non-member Bank
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Net Income Analysis
( % relative to Total Revenue )
| Income Statement | First Security State Bank | All Insured Commercial Banks in Texas |
| Interest and Fees on Loans | 2,249 | 10,872 |
| Income from Lease Financing Receivables | — | 2 |
| — | 44 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | — | 22 |
| Income on Loans and Leases (TE) | 2,249 | 10,941 |
| Investment Interest Income (TE) | 1,271 | 2,007 |
| Total Interest Income (TE) | 3,549 | 13,476 |
| Total Interest Expense | 230 | 1,063 |
| Net Interest Income (TE) | 3,319 | 12,338 |
| Non-Interest Income | 1,131 | 2,639 |
| Adjusted Operating Income (TE) | 4,450 | 15,335 |
| Non-interest Expense | 3,300 | 9,693 |
| Provision for Loan & Lease Losses | — | 524 |
| Pretax Operating Income (TE) | 1,150 | 4,819 |
| Pretax Net Operating Income (TE) | 1,183 | 4,946 |
| Applicable Income Taxes | — | 576 |
| Net Operating Income | 1,083 | 3,858 |
| Net Income | 1,083 | 3,845 |
| Cash Dividends Declared | 900 | 1,701 |
| Retained Earnings | 183 | 1,997 |