Net Income Analysis ( % relative to Total Revenue )
Income Statement Southwest Capital Bank All Insured Commercial Banks in New Mexico
Interest and Fees on Loans 16,788 9,599
Income from Lease Financing Receivables 20 3
193 56
Estimated Tax Benefit from Tax-Exempt Loan Income 99 29
Income on Loans and Leases (TE) 16,907 9,634
Investment Interest Income (TE) 706 2,848
Total Interest Income (TE) 17,692 12,748
Total Interest Expense 1,651 719
Net Interest Income (TE) 16,041 12,029
Non-Interest Income 1,332 2,506
Adjusted Operating Income (TE) 17,373 14,643
Non-interest Expense 10,296 9,471
Provision for Loan & Lease Losses 1,175 373
Pretax Operating Income (TE) 5,902 4,279
Pretax Net Operating Income (TE) 5,951 4,437
Applicable Income Taxes — 55
Net Operating Income 5,752 4,263
Net Income 5,752 4,263
Cash Dividends Declared 4,500 2,176
Retained Earnings 1,252 1,786