Net Income Analysis ( % relative to Total Revenue )
Income Statement Spur Security Bank All Insured Commercial Banks in Texas
Interest and Fees on Loans 636 10,872
Income from Lease Financing Receivables — 2
— 44
Estimated Tax Benefit from Tax-Exempt Loan Income — 22
Income on Loans and Leases (TE) 636 10,941
Investment Interest Income (TE) 591 2,007
Total Interest Income (TE) 1,231 13,476
Total Interest Expense 152 1,063
Net Interest Income (TE) 1,079 12,338
Non-Interest Income 95 2,639
Adjusted Operating Income (TE) 1,174 15,335
Non-interest Expense 940 9,693
Provision for Loan & Lease Losses — 524
Pretax Operating Income (TE) 234 4,819
Pretax Net Operating Income (TE) 244 4,946
Applicable Income Taxes — 576
Net Operating Income 183 3,858
Net Income 183 3,845
Cash Dividends Declared 60 1,701
Retained Earnings 123 1,997