Net Income Analysis ( % relative to Total Revenue )
Income Statement Southtrust Bank, N.A. All Insured Commercial Banks in Texas
Interest and Fees on Loans 13,107 10,872
Income from Lease Financing Receivables — 2
— 44
Estimated Tax Benefit from Tax-Exempt Loan Income — 22
Income on Loans and Leases (TE) 13,107 10,941
Investment Interest Income (TE) 1,713 2,007
Total Interest Income (TE) 14,882 13,476
Total Interest Expense 1,004 1,063
Net Interest Income (TE) 13,878 12,338
Non-Interest Income 1,681 2,639
Adjusted Operating Income (TE) 15,559 15,335
Non-interest Expense 11,526 9,693
Provision for Loan & Lease Losses 3,150 524
Pretax Operating Income (TE) 883 4,819
Pretax Net Operating Income (TE) 883 4,946
Applicable Income Taxes — 576
Net Operating Income 583 3,858
Net Income 583 3,845
Cash Dividends Declared 1,028 1,701
Retained Earnings -445 1,997