Net Income Analysis ( % relative to Total Revenue )
Income Statement First Texas Bank All Insured Commercial Banks in Texas
Interest and Fees on Loans 2,198 10,872
Income from Lease Financing Receivables — 2
— 44
Estimated Tax Benefit from Tax-Exempt Loan Income — 22
Income on Loans and Leases (TE) 2,198 10,941
Investment Interest Income (TE) 1,020 2,007
Total Interest Income (TE) 3,245 13,476
Total Interest Expense 77 1,063
Net Interest Income (TE) 3,168 12,338
Non-Interest Income 660 2,639
Adjusted Operating Income (TE) 3,828 15,335
Non-interest Expense 2,926 9,693
Provision for Loan & Lease Losses 290 524
Pretax Operating Income (TE) 612 4,819
Pretax Net Operating Income (TE) 612 4,946
Applicable Income Taxes 179 576
Net Operating Income 433 3,858
Net Income 433 3,845
Cash Dividends Declared 200 1,701
Retained Earnings 233 1,997