Net Income Analysis ( % relative to Total Revenue )
Income Statement First Star Bank, S.S.B. All Insured Savings Banks in Texas
Interest and Fees on Loans 8,599 17,795
Income from Lease Financing Receivables — 9
— 6
Estimated Tax Benefit from Tax-Exempt Loan Income — 3
Income on Loans and Leases (TE) 8,599 17,837
Investment Interest Income (TE) 973 1,378
Total Interest Income (TE) 9,624 19,352
Total Interest Expense 680 1,866
Net Interest Income (TE) 8,944 17,489
Non-Interest Income 1,231 5,781
Adjusted Operating Income (TE) 10,175 23,215
Non-interest Expense 7,270 15,546
Provision for Loan & Lease Losses 40 313
Pretax Operating Income (TE) 2,865 7,881
Pretax Net Operating Income (TE) 2,865 7,901
Applicable Income Taxes 954 823
Net Operating Income 1,911 6,997
Net Income 1,911 6,995
Cash Dividends Declared 600 3,276
Retained Earnings 1,311 3,720