Net Income Analysis ( % relative to Total Revenue )
Income Statement Muenster State Bank All Insured Commercial Banks in Texas
Interest and Fees on Loans 2,164 10,872
Income from Lease Financing Receivables — 2
60 44
Estimated Tax Benefit from Tax-Exempt Loan Income 31 22
Income on Loans and Leases (TE) 2,195 10,941
Investment Interest Income (TE) 2,928 2,007
Total Interest Income (TE) 5,164 13,476
Total Interest Expense 308 1,063
Net Interest Income (TE) 4,856 12,338
Non-Interest Income 575 2,639
Adjusted Operating Income (TE) 5,431 15,335
Non-interest Expense 2,595 9,693
Provision for Loan & Lease Losses 25 524
Pretax Operating Income (TE) 2,811 4,819
Pretax Net Operating Income (TE) 3,036 4,946
Applicable Income Taxes — 576
Net Operating Income 2,539 3,858
Net Income 2,539 3,845
Cash Dividends Declared 1,750 1,701
Retained Earnings 789 1,997