Net Income Analysis ( % relative to Total Revenue )
Income Statement Highland Lakes Bank All Insured Commercial Banks in Texas
Interest and Fees on Loans 529 1,131
Income from Lease Financing Receivables — 164
— 30
Estimated Tax Benefit from Tax-Exempt Loan Income — 16
Income on Loans and Leases (TE) 529 1,139
Investment Interest Income (TE) 46 397
Total Interest Income (TE) 695 1,560
Total Interest Expense 369 408
Net Interest Income (TE) 326 1,142
Non-Interest Income 143 324
Adjusted Operating Income (TE) 469 1,484
Non-interest Expense 399 965
Provision for Loan & Lease Losses — 203
Pretax Operating Income (TE) 70 1,126
Pretax Net Operating Income (TE) 70 1,168
Applicable Income Taxes — 503
Net Operating Income 70 833
Net Income 70 833
Cash Dividends Declared — 1,092
Retained Earnings 70 580