Net Income Analysis ( % relative to Total Revenue )
Income Statement The Bank And Trust, S.S.B. All Insured Commercial Banks in Texas
Interest and Fees on Loans 11,796 10,872
Income from Lease Financing Receivables — 2
341 44
Estimated Tax Benefit from Tax-Exempt Loan Income 172 22
Income on Loans and Leases (TE) 11,968 10,941
Investment Interest Income (TE) 4,045 2,007
Total Interest Income (TE) 16,098 13,476
Total Interest Expense 2,015 1,063
Net Interest Income (TE) 14,083 12,338
Non-Interest Income 5,682 2,639
Adjusted Operating Income (TE) 19,765 15,335
Non-interest Expense 13,140 9,693
Provision for Loan & Lease Losses 244 524
Pretax Operating Income (TE) 6,381 4,819
Pretax Net Operating Income (TE) 6,403 4,946
Applicable Income Taxes — 576
Net Operating Income 5,542 3,858
Net Income 5,542 3,845
Cash Dividends Declared 4,799 1,701
Retained Earnings 743 1,997