Net Income Analysis ( % relative to Total Revenue )
Income Statement Junction National Bank All Insured Commercial Banks in Texas
Interest and Fees on Loans 951 10,872
Income from Lease Financing Receivables — 2
— 44
Estimated Tax Benefit from Tax-Exempt Loan Income — 22
Income on Loans and Leases (TE) 951 10,941
Investment Interest Income (TE) 696 2,007
Total Interest Income (TE) 1,688 13,476
Total Interest Expense 30 1,063
Net Interest Income (TE) 1,658 12,338
Non-Interest Income 459 2,639
Adjusted Operating Income (TE) 2,117 15,335
Non-interest Expense 1,411 9,693
Provision for Loan & Lease Losses — 524
Pretax Operating Income (TE) 706 4,819
Pretax Net Operating Income (TE) 738 4,946
Applicable Income Taxes — 576
Net Operating Income 660 3,858
Net Income 660 3,845
Cash Dividends Declared 594 1,701
Retained Earnings 66 1,997