Net Income Analysis ( % relative to Total Revenue )
Income Statement Guadalupe National Bank All Insured Commercial Banks in Texas
Interest and Fees on Loans 4,662 10,872
Income from Lease Financing Receivables — 2
— 44
Estimated Tax Benefit from Tax-Exempt Loan Income — 22
Income on Loans and Leases (TE) 4,662 10,941
Investment Interest Income (TE) 43 2,007
Total Interest Income (TE) 4,991 13,476
Total Interest Expense 180 1,063
Net Interest Income (TE) 4,811 12,338
Non-Interest Income 1,298 2,639
Adjusted Operating Income (TE) 6,109 15,335
Non-interest Expense 4,561 9,693
Provision for Loan & Lease Losses 57 524
Pretax Operating Income (TE) 1,491 4,819
Pretax Net Operating Income (TE) 1,491 4,946
Applicable Income Taxes — 576
Net Operating Income 1,491 3,858
Net Income 1,491 3,845
Cash Dividends Declared 433 1,701
Retained Earnings 1,058 1,997