Net Income Analysis ( % relative to Total Revenue )
Income Statement Interstate Bank, Ssb All Insured Savings Banks in Texas
Interest and Fees on Loans 5,570 25,416
Income from Lease Financing Receivables 142 37
30 19
Estimated Tax Benefit from Tax-Exempt Loan Income 15 10
Income on Loans and Leases (TE) 5,727 25,508
Investment Interest Income (TE) 1,110 1,744
Total Interest Income (TE) 6,888 27,653
Total Interest Expense 361 2,983
Net Interest Income (TE) 6,527 24,676
Non-Interest Income 2,141 8,040
Adjusted Operating Income (TE) 8,668 32,713
Non-interest Expense 5,753 20,373
Provision for Loan & Lease Losses 365 900
Pretax Operating Income (TE) 2,550 11,517
Pretax Net Operating Income (TE) 2,653 11,901
Applicable Income Taxes — 1,411
Net Operating Income 2,451 10,708
Net Income 2,451 10,708
Cash Dividends Declared 1,470 4,954
Retained Earnings 981 5,973