Net Income Analysis ( % relative to Total Revenue )
Income Statement Fort Davis State Bank All Insured Commercial Banks in Texas
Interest and Fees on Loans 2,248 10,872
Income from Lease Financing Receivables 151 2
— 44
Estimated Tax Benefit from Tax-Exempt Loan Income — 22
Income on Loans and Leases (TE) 2,399 10,941
Investment Interest Income (TE) 423 2,007
Total Interest Income (TE) 2,891 13,476
Total Interest Expense 94 1,063
Net Interest Income (TE) 2,797 12,338
Non-Interest Income 936 2,639
Adjusted Operating Income (TE) 3,733 15,335
Non-interest Expense 3,020 9,693
Provision for Loan & Lease Losses 50 524
Pretax Operating Income (TE) 663 4,819
Pretax Net Operating Income (TE) 663 4,946
Applicable Income Taxes — 576
Net Operating Income 568 3,858
Net Income 568 3,845
Cash Dividends Declared 465 1,701
Retained Earnings 103 1,997