Net Income Analysis ( % relative to Total Revenue )
Income Statement Pointwest Bank All Insured Commercial Banks in Texas
Interest and Fees on Loans 2,012 10,872
Income from Lease Financing Receivables — 2
2 44
Estimated Tax Benefit from Tax-Exempt Loan Income 1 22
Income on Loans and Leases (TE) 2,013 10,941
Investment Interest Income (TE) 773 2,007
Total Interest Income (TE) 3,135 13,476
Total Interest Expense 241 1,063
Net Interest Income (TE) 2,894 12,338
Non-Interest Income 1,064 2,639
Adjusted Operating Income (TE) 3,958 15,335
Non-interest Expense 3,092 9,693
Provision for Loan & Lease Losses 115 524
Pretax Operating Income (TE) 751 4,819
Pretax Net Operating Income (TE) 908 4,946
Applicable Income Taxes — 576
Net Operating Income 853 3,858
Net Income 853 3,845
Cash Dividends Declared 360 1,701
Retained Earnings 493 1,997