Spirit Of Texas Bank, Ssb
College Station, TX — State Savings Bank
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Net Income Analysis
( % relative to Total Revenue )
Income Statement | Spirit Of Texas Bank, Ssb | All Insured Savings Banks in Texas |
Interest and Fees on Loans | 40,378 | 25,416 |
Income from Lease Financing Receivables | 693 | 37 |
1,618 | 19 | |
Estimated Tax Benefit from Tax-Exempt Loan Income | 647 | 10 |
Income on Loans and Leases (TE) | 41,718 | 25,508 |
Investment Interest Income (TE) | 194 | 1,744 |
Total Interest Income (TE) | 42,487 | 27,653 |
Total Interest Expense | 6,617 | 2,983 |
Net Interest Income (TE) | 35,870 | 24,676 |
Non-Interest Income | 7,952 | 8,040 |
Adjusted Operating Income (TE) | 43,822 | 32,713 |
Non-interest Expense | 32,109 | 20,373 |
Provision for Loan & Lease Losses | 1,617 | 900 |
Pretax Operating Income (TE) | 10,096 | 11,517 |
Pretax Net Operating Income (TE) | 10,149 | 11,901 |
Applicable Income Taxes | 2,820 | 1,411 |
Net Operating Income | 6,682 | 10,708 |
Net Income | 6,682 | 10,708 |
Cash Dividends Declared | — | 4,954 |
Retained Earnings | 6,682 | 5,973 |