Net Income Analysis ( % relative to Total Revenue )
Income Statement First State Bank All Insured Commercial Banks in Texas
Interest and Fees on Loans 13,568 10,872
Income from Lease Financing Receivables — 2
93 44
Estimated Tax Benefit from Tax-Exempt Loan Income 48 22
Income on Loans and Leases (TE) 13,616 10,941
Investment Interest Income (TE) 2,646 2,007
Total Interest Income (TE) 16,434 13,476
Total Interest Expense 800 1,063
Net Interest Income (TE) 15,634 12,338
Non-Interest Income 3,692 2,639
Adjusted Operating Income (TE) 19,326 15,335
Non-interest Expense 11,460 9,693
Provision for Loan & Lease Losses 273 524
Pretax Operating Income (TE) 7,593 4,819
Pretax Net Operating Income (TE) 7,593 4,946
Applicable Income Taxes 2,095 576
Net Operating Income 5,101 3,858
Net Income 5,101 3,845
Cash Dividends Declared 2,355 1,701
Retained Earnings 2,746 1,997