Net Income Analysis ( % relative to Total Revenue )
Income Statement First State Bank Of San Diego All Insured Commercial Banks in Texas
Interest and Fees on Loans 1,713 10,872
Income from Lease Financing Receivables — 2
42 44
Estimated Tax Benefit from Tax-Exempt Loan Income 22 22
Income on Loans and Leases (TE) 1,735 10,941
Investment Interest Income (TE) 278 2,007
Total Interest Income (TE) 2,167 13,476
Total Interest Expense 120 1,063
Net Interest Income (TE) 2,047 12,338
Non-Interest Income 411 2,639
Adjusted Operating Income (TE) 2,458 15,335
Non-interest Expense 1,724 9,693
Provision for Loan & Lease Losses 20 524
Pretax Operating Income (TE) 714 4,819
Pretax Net Operating Income (TE) 714 4,946
Applicable Income Taxes — 576
Net Operating Income 692 3,858
Net Income 692 3,845
Cash Dividends Declared 654 1,701
Retained Earnings 38 1,997