Net Income Analysis ( % relative to Total Revenue )
Income Statement Sage Capital Bank, National Association All Insured Commercial Banks in Texas
Interest and Fees on Loans 12,157 10,872
Income from Lease Financing Receivables — 2
114 44
Estimated Tax Benefit from Tax-Exempt Loan Income 58 22
Income on Loans and Leases (TE) 12,215 10,941
Investment Interest Income (TE) 1,527 2,007
Total Interest Income (TE) 13,884 13,476
Total Interest Expense 633 1,063
Net Interest Income (TE) 13,251 12,338
Non-Interest Income 1,535 2,639
Adjusted Operating Income (TE) 14,786 15,335
Non-interest Expense 9,916 9,693
Provision for Loan & Lease Losses 240 524
Pretax Operating Income (TE) 4,630 4,819
Pretax Net Operating Income (TE) 4,717 4,946
Applicable Income Taxes 1,194 576
Net Operating Income 3,256 3,858
Net Income 3,256 3,845
Cash Dividends Declared 1,950 1,701
Retained Earnings 1,306 1,997