Net Income Analysis ( % relative to Total Revenue )
Income Statement First Texas Bank All Insured Commercial Banks in Texas
Interest and Fees on Loans 1,310 3,736
Income from Lease Financing Receivables — 1,517
2 133
Estimated Tax Benefit from Tax-Exempt Loan Income — 70
Income on Loans and Leases (TE) 1,310 3,768
Investment Interest Income (TE) 215 2,074
Total Interest Income (TE) 1,538 4,936
Total Interest Expense 183 1,339
Net Interest Income (TE) 1,355 3,577
Non-Interest Income 276 867
Adjusted Operating Income (TE) 1,631 4,407
Non-interest Expense 1,561 3,052
Provision for Loan & Lease Losses 117 2,621
Pretax Operating Income (TE) — 2,691
Pretax Net Operating Income (TE) — 2,805
Applicable Income Taxes — 1,087
Net Operating Income — 2,190
Net Income — 2,186
Cash Dividends Declared — 1,418
Retained Earnings — 1,474