Net Income Analysis ( % relative to Total Revenue )
Income Statement First State Bank All Insured Commercial Banks in Texas
Interest and Fees on Loans 1,328 10,872
Income from Lease Financing Receivables — 2
4 44
Estimated Tax Benefit from Tax-Exempt Loan Income 2 22
Income on Loans and Leases (TE) 1,330 10,941
Investment Interest Income (TE) 377 2,007
Total Interest Income (TE) 1,722 13,476
Total Interest Expense 56 1,063
Net Interest Income (TE) 1,666 12,338
Non-Interest Income 237 2,639
Adjusted Operating Income (TE) 1,903 15,335
Non-interest Expense 1,520 9,693
Provision for Loan & Lease Losses 55 524
Pretax Operating Income (TE) 328 4,819
Pretax Net Operating Income (TE) 403 4,946
Applicable Income Taxes — 576
Net Operating Income 397 3,858
Net Income 397 3,845
Cash Dividends Declared 329 1,701
Retained Earnings 68 1,997