Net Income Analysis ( % relative to Total Revenue )
Income Statement Texas Bank All Insured Commercial Banks in Texas
Interest and Fees on Loans 10,174 10,872
Income from Lease Financing Receivables — 2
1 44
Estimated Tax Benefit from Tax-Exempt Loan Income — 22
Income on Loans and Leases (TE) 10,174 10,941
Investment Interest Income (TE) 10,352 2,007
Total Interest Income (TE) 20,609 13,476
Total Interest Expense 3,044 1,063
Net Interest Income (TE) 17,565 12,338
Non-Interest Income 3,075 2,639
Adjusted Operating Income (TE) 20,640 15,335
Non-interest Expense 13,648 9,693
Provision for Loan & Lease Losses 255 524
Pretax Operating Income (TE) 6,737 4,819
Pretax Net Operating Income (TE) 7,164 4,946
Applicable Income Taxes 126 576
Net Operating Income 4,602 3,858
Net Income 4,602 3,845
Cash Dividends Declared 935 1,701
Retained Earnings 3,667 1,997