Net Income Analysis ( % relative to Total Revenue )
Income Statement The Buckholts State Bank All Insured Commercial Banks in Texas
Interest and Fees on Loans 1,823 10,872
Income from Lease Financing Receivables — 2
28 44
Estimated Tax Benefit from Tax-Exempt Loan Income 14 22
Income on Loans and Leases (TE) 1,837 10,941
Investment Interest Income (TE) 756 2,007
Total Interest Income (TE) 2,689 13,476
Total Interest Expense 216 1,063
Net Interest Income (TE) 2,473 12,338
Non-Interest Income 340 2,639
Adjusted Operating Income (TE) 2,813 15,335
Non-interest Expense 1,706 9,693
Provision for Loan & Lease Losses — 524
Pretax Operating Income (TE) 1,107 4,819
Pretax Net Operating Income (TE) 1,107 4,946
Applicable Income Taxes — 576
Net Operating Income 1,069 3,858
Net Income 1,069 3,845
Cash Dividends Declared 498 1,701
Retained Earnings 571 1,997