Net Income Analysis ( % relative to Total Revenue )
Income Statement Katy Bank, National Association All Insured Commercial Banks in Texas
Interest and Fees on Loans 1,282 4,504
Income from Lease Financing Receivables — 568
— 109
Estimated Tax Benefit from Tax-Exempt Loan Income — 55
Income on Loans and Leases (TE) 1,282 4,536
Investment Interest Income (TE) 603 1,389
Total Interest Income (TE) 1,910 6,067
Total Interest Expense 468 1,474
Net Interest Income (TE) 1,442 4,583
Non-Interest Income 604 1,292
Adjusted Operating Income (TE) 2,046 5,945
Non-interest Expense 1,883 3,888
Provision for Loan & Lease Losses 60 605
Pretax Operating Income (TE) 103 3,816
Pretax Net Operating Income (TE) 282 3,973
Applicable Income Taxes 86 1,469
Net Operating Income 196 2,851
Net Income 196 2,887
Cash Dividends Declared — 1,882
Retained Earnings 196 1,668