Net Income Analysis ( % relative to Total Revenue )
Income Statement The Community Bank All Insured Commercial Banks in Texas
Interest and Fees on Loans 2,312 10,872
Income from Lease Financing Receivables — 2
8 44
Estimated Tax Benefit from Tax-Exempt Loan Income 4 22
Income on Loans and Leases (TE) 2,316 10,941
Investment Interest Income (TE) 154 2,007
Total Interest Income (TE) 2,516 13,476
Total Interest Expense 406 1,063
Net Interest Income (TE) 2,110 12,338
Non-Interest Income 331 2,639
Adjusted Operating Income (TE) 2,441 15,335
Non-interest Expense 2,010 9,693
Provision for Loan & Lease Losses 145 524
Pretax Operating Income (TE) 286 4,819
Pretax Net Operating Income (TE) 286 4,946
Applicable Income Taxes 1 576
Net Operating Income 277 3,858
Net Income 277 3,845
Cash Dividends Declared — 1,701
Retained Earnings 277 1,997