Net Income Analysis ( % relative to Total Revenue )
Income Statement Medina Valley State Bank All Insured Commercial Banks in Texas
Interest and Fees on Loans 374 1,939
Income from Lease Financing Receivables — 765
1 70
Estimated Tax Benefit from Tax-Exempt Loan Income — 38
Income on Loans and Leases (TE) 374 1,954
Investment Interest Income (TE) 443 1,116
Total Interest Income (TE) 832 2,503
Total Interest Expense 159 534
Net Interest Income (TE) 673 1,957
Non-Interest Income 250 390
Adjusted Operating Income (TE) 923 2,383
Non-interest Expense 621 1,628
Provision for Loan & Lease Losses 45 1,400
Pretax Operating Income (TE) 257 551
Pretax Net Operating Income (TE) 282 592
Applicable Income Taxes 10 897
Net Operating Income 197 473
Net Income 197 472
Cash Dividends Declared — 1,314
Retained Earnings 197 288