Net Income Analysis ( % relative to Total Revenue )
Income Statement Stockmens National Bank In Cotulla All Insured Commercial Banks in Texas
Interest and Fees on Loans 1,102 10,872
Income from Lease Financing Receivables — 2
13 44
Estimated Tax Benefit from Tax-Exempt Loan Income 7 22
Income on Loans and Leases (TE) 1,109 10,941
Investment Interest Income (TE) 738 2,007
Total Interest Income (TE) 2,001 13,476
Total Interest Expense 56 1,063
Net Interest Income (TE) 1,945 12,338
Non-Interest Income 408 2,639
Adjusted Operating Income (TE) 2,353 15,335
Non-interest Expense 1,415 9,693
Provision for Loan & Lease Losses 13 524
Pretax Operating Income (TE) 925 4,819
Pretax Net Operating Income (TE) 925 4,946
Applicable Income Taxes — 576
Net Operating Income 918 3,858
Net Income 918 3,845
Cash Dividends Declared 339 1,701
Retained Earnings 579 1,997