Net Income Analysis ( % relative to Total Revenue )
Income Statement First State Bank All Insured Commercial Banks in Texas
Interest and Fees on Loans 442 10,872
Income from Lease Financing Receivables — 2
77 44
Estimated Tax Benefit from Tax-Exempt Loan Income 19 22
Income on Loans and Leases (TE) 461 10,941
Investment Interest Income (TE) 919 2,007
Total Interest Income (TE) 1,423 13,476
Total Interest Expense 320 1,063
Net Interest Income (TE) 1,103 12,338
Non-Interest Income 54 2,639
Adjusted Operating Income (TE) 1,157 15,335
Non-interest Expense 952 9,693
Provision for Loan & Lease Losses — 524
Pretax Operating Income (TE) 205 4,819
Pretax Net Operating Income (TE) 209 4,946
Applicable Income Taxes -18 576
Net Operating Income 138 3,858
Net Income 138 3,845
Cash Dividends Declared 80 1,701
Retained Earnings 58 1,997