Net Income Analysis ( % relative to Total Revenue )
Income Statement Texas Exchange Bank, Ssb All Insured Savings Banks in Texas
Interest and Fees on Loans 10,938 25,416
Income from Lease Financing Receivables — 37
— 19
Estimated Tax Benefit from Tax-Exempt Loan Income — 10
Income on Loans and Leases (TE) 10,938 25,508
Investment Interest Income (TE) 2,072 1,744
Total Interest Income (TE) 13,258 27,653
Total Interest Expense 2,581 2,983
Net Interest Income (TE) 10,677 24,676
Non-Interest Income 1,034 8,040
Adjusted Operating Income (TE) 11,711 32,713
Non-interest Expense 3,757 20,373
Provision for Loan & Lease Losses 1,158 900
Pretax Operating Income (TE) 6,796 11,517
Pretax Net Operating Income (TE) 6,833 11,901
Applicable Income Taxes — 1,411
Net Operating Income 6,822 10,708
Net Income 6,822 10,708
Cash Dividends Declared — 4,954
Retained Earnings 6,822 5,973