Net Income Analysis ( % relative to Total Revenue )
Income Statement Integrity Bank, Ssb All Insured Savings Banks in Texas
Interest and Fees on Loans 29,546 25,416
Income from Lease Financing Receivables 69 37
— 19
Estimated Tax Benefit from Tax-Exempt Loan Income — 10
Income on Loans and Leases (TE) 29,615 25,508
Investment Interest Income (TE) 624 1,744
Total Interest Income (TE) 30,598 27,653
Total Interest Expense 3,986 2,983
Net Interest Income (TE) 26,612 24,676
Non-Interest Income 3,419 8,040
Adjusted Operating Income (TE) 30,031 32,713
Non-interest Expense 15,774 20,373
Provision for Loan & Lease Losses 3,015 900
Pretax Operating Income (TE) 11,242 11,517
Pretax Net Operating Income (TE) 11,319 11,901
Applicable Income Taxes 3,951 1,411
Net Operating Income 7,368 10,708
Net Income 7,368 10,708
Cash Dividends Declared — 4,954
Retained Earnings 7,368 5,973