Net Income Analysis ( % relative to Total Revenue )
Income Statement First State Bank All Insured Commercial Banks in Texas
Interest and Fees on Loans 2,720 10,872
Income from Lease Financing Receivables — 2
1 44
Estimated Tax Benefit from Tax-Exempt Loan Income 1 22
Income on Loans and Leases (TE) 2,721 10,941
Investment Interest Income (TE) 888 2,007
Total Interest Income (TE) 3,755 13,476
Total Interest Expense 150 1,063
Net Interest Income (TE) 3,605 12,338
Non-Interest Income 336 2,639
Adjusted Operating Income (TE) 3,941 15,335
Non-interest Expense 2,093 9,693
Provision for Loan & Lease Losses 390 524
Pretax Operating Income (TE) 1,458 4,819
Pretax Net Operating Income (TE) 1,458 4,946
Applicable Income Taxes — 576
Net Operating Income 1,216 3,858
Net Income 1,216 3,845
Cash Dividends Declared 700 1,701
Retained Earnings 516 1,997