Net Income Analysis ( % relative to Total Revenue )
Income Statement State Bank Of De Kalb All Insured Commercial Banks in Texas
Interest and Fees on Loans 8,317 10,872
Income from Lease Financing Receivables — 2
32 44
Estimated Tax Benefit from Tax-Exempt Loan Income 16 22
Income on Loans and Leases (TE) 8,333 10,941
Investment Interest Income (TE) 17 2,007
Total Interest Income (TE) 8,650 13,476
Total Interest Expense 673 1,063
Net Interest Income (TE) 7,977 12,338
Non-Interest Income 2,383 2,639
Adjusted Operating Income (TE) 10,360 15,335
Non-interest Expense 5,463 9,693
Provision for Loan & Lease Losses 493 524
Pretax Operating Income (TE) 4,404 4,819
Pretax Net Operating Income (TE) 4,439 4,946
Applicable Income Taxes — 576
Net Operating Income 4,423 3,858
Net Income 4,423 3,845
Cash Dividends Declared 3,043 1,701
Retained Earnings 1,380 1,997