Net Income Analysis ( % relative to Total Revenue )
Income Statement Security State Bank All Insured Commercial Banks in Texas
Interest and Fees on Loans 13,438 10,872
Income from Lease Financing Receivables — 2
64 44
Estimated Tax Benefit from Tax-Exempt Loan Income 32 22
Income on Loans and Leases (TE) 13,470 10,941
Investment Interest Income (TE) 5,447 2,007
Total Interest Income (TE) 19,229 13,476
Total Interest Expense 1,272 1,063
Net Interest Income (TE) 17,957 12,338
Non-Interest Income 2,082 2,639
Adjusted Operating Income (TE) 20,039 15,335
Non-interest Expense 10,536 9,693
Provision for Loan & Lease Losses 77 524
Pretax Operating Income (TE) 9,426 4,819
Pretax Net Operating Income (TE) 9,589 4,946
Applicable Income Taxes 2,233 576
Net Operating Income 6,301 3,858
Net Income 6,301 3,845
Cash Dividends Declared 2,500 1,701
Retained Earnings 3,801 1,997