Net Income Analysis ( % relative to Total Revenue )
Income Statement Round Top State Bank All Insured Commercial Banks in Texas
Interest and Fees on Loans 14,315 10,872
Income from Lease Financing Receivables — 2
90 44
Estimated Tax Benefit from Tax-Exempt Loan Income 46 22
Income on Loans and Leases (TE) 14,361 10,941
Investment Interest Income (TE) 3,984 2,007
Total Interest Income (TE) 18,385 13,476
Total Interest Expense 2,735 1,063
Net Interest Income (TE) 15,650 12,338
Non-Interest Income 1,421 2,639
Adjusted Operating Income (TE) 17,071 15,335
Non-interest Expense 8,836 9,693
Provision for Loan & Lease Losses 552 524
Pretax Operating Income (TE) 7,683 4,819
Pretax Net Operating Income (TE) 8,385 4,946
Applicable Income Taxes 2,099 576
Net Operating Income 5,475 3,858
Net Income 5,475 3,845
Cash Dividends Declared 682 1,701
Retained Earnings 4,793 1,997