The Express Bank Of Texas
Round Rock, TX — Domestic Branch of a Domestic Bank
Acquired Feb 2006
Net Income Analysis
( % relative to Total Revenue )
| Income Statement | The Express Bank Of Texas | All Insured Commercial Banks in Texas |
| Interest and Fees on Loans | 1,140 | 5,721 |
| Income from Lease Financing Receivables | — | 1,070 |
| — | 138 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | — | 69 |
| Income on Loans and Leases (TE) | 1,140 | 5,762 |
| Investment Interest Income (TE) | 796 | 1,547 |
| Total Interest Income (TE) | 1,999 | 7,602 |
| Total Interest Expense | 785 | 2,072 |
| Net Interest Income (TE) | 1,214 | 5,520 |
| Non-Interest Income | 280 | 1,392 |
| Adjusted Operating Income (TE) | 1,494 | 7,062 |
| Non-interest Expense | 1,563 | 4,492 |
| Provision for Loan & Lease Losses | 54 | 608 |
| Pretax Operating Income (TE) | — | 5,096 |
| Pretax Net Operating Income (TE) | — | 5,060 |
| Applicable Income Taxes | — | 2,024 |
| Net Operating Income | — | 3,693 |
| Net Income | — | 3,700 |
| Cash Dividends Declared | — | 2,500 |
| Retained Earnings | — | 2,031 |