Net Income Analysis ( % relative to Total Revenue )
Income Statement Fort Hood National Bank All Insured Commercial Banks in Texas
Interest and Fees on Loans 2,749 10,872
Income from Lease Financing Receivables — 2
39 44
Estimated Tax Benefit from Tax-Exempt Loan Income 19 22
Income on Loans and Leases (TE) 2,768 10,941
Investment Interest Income (TE) 2,195 2,007
Total Interest Income (TE) 5,259 13,476
Total Interest Expense 228 1,063
Net Interest Income (TE) 5,031 12,338
Non-Interest Income 10,488 2,639
Adjusted Operating Income (TE) 15,519 15,335
Non-interest Expense 13,459 9,693
Provision for Loan & Lease Losses 355 524
Pretax Operating Income (TE) 1,705 4,819
Pretax Net Operating Income (TE) 1,719 4,946
Applicable Income Taxes — 576
Net Operating Income 1,511 3,858
Net Income 1,511 3,845
Cash Dividends Declared — 1,701
Retained Earnings 1,511 1,997