Net Income Analysis ( % relative to Total Revenue )
Income Statement Texas Regional Bank All Insured Commercial Banks in Texas
Interest and Fees on Loans 19,099 10,872
Income from Lease Financing Receivables — 2
64 44
Estimated Tax Benefit from Tax-Exempt Loan Income 33 22
Income on Loans and Leases (TE) 19,132 10,941
Investment Interest Income (TE) 3,627 2,007
Total Interest Income (TE) 22,916 13,476
Total Interest Expense 2,610 1,063
Net Interest Income (TE) 20,306 12,338
Non-Interest Income 4,549 2,639
Adjusted Operating Income (TE) 24,855 15,335
Non-interest Expense 19,113 9,693
Provision for Loan & Lease Losses 1,399 524
Pretax Operating Income (TE) 4,343 4,819
Pretax Net Operating Income (TE) 4,462 4,946
Applicable Income Taxes 806 576
Net Operating Income 3,621 3,858
Net Income 3,621 3,845
Cash Dividends Declared — 1,701
Retained Earnings 3,621 1,997