Net Income Analysis ( % relative to Total Revenue )
Income Statement Preston State Bank All Insured Commercial Banks in Texas
Interest and Fees on Loans 5,532 9,221
Income from Lease Financing Receivables — 1
— 31
Estimated Tax Benefit from Tax-Exempt Loan Income — 15
Income on Loans and Leases (TE) 5,532 9,267
Investment Interest Income (TE) 172 1,966
Total Interest Income (TE) 5,739 11,637
Total Interest Expense 434 964
Net Interest Income (TE) 5,305 10,625
Non-Interest Income 317 2,371
Adjusted Operating Income (TE) 5,622 13,238
Non-interest Expense 4,580 8,538
Provision for Loan & Lease Losses -500 272
Pretax Operating Income (TE) 1,542 4,291
Pretax Net Operating Income (TE) 1,541 4,357
Applicable Income Taxes 221 481
Net Operating Income 1,270 3,397
Net Income 1,270 3,388
Cash Dividends Declared 600 1,366
Retained Earnings 670 1,822