Net Income Analysis ( % relative to Total Revenue )
Income Statement Jacksonville Savings Bank, Ssb All Insured Savings Banks in Texas
Interest and Fees on Loans 15,591 16,369
Income from Lease Financing Receivables — 12
— 119
Estimated Tax Benefit from Tax-Exempt Loan Income — 63
Income on Loans and Leases (TE) 15,591 16,374
Investment Interest Income (TE) 4,129 9,887
Total Interest Income (TE) 19,866 18,675
Total Interest Expense 8,583 6,011
Net Interest Income (TE) 11,283 12,664
Non-Interest Income 2,176 3,277
Adjusted Operating Income (TE) 13,459 15,915
Non-interest Expense 6,156 10,226
Provision for Loan & Lease Losses 132 1,134
Pretax Operating Income (TE) 7,171 4,783
Pretax Net Operating Income (TE) 7,170 4,886
Applicable Income Taxes 2,448 1,623
Net Operating Income 4,722 3,648
Net Income 4,722 3,649
Cash Dividends Declared — 16,673
Retained Earnings 4,722 14,956