Net Income Analysis ( % relative to Total Revenue )
Income Statement The First National Bank Of Hughes Springs All Insured Commercial Banks in Texas
Interest and Fees on Loans 10,520 10,872
Income from Lease Financing Receivables — 2
160 44
Estimated Tax Benefit from Tax-Exempt Loan Income 82 22
Income on Loans and Leases (TE) 10,602 10,941
Investment Interest Income (TE) 2,142 2,007
Total Interest Income (TE) 12,850 13,476
Total Interest Expense 210 1,063
Net Interest Income (TE) 12,640 12,338
Non-Interest Income 1,975 2,639
Adjusted Operating Income (TE) 14,615 15,335
Non-interest Expense 8,166 9,693
Provision for Loan & Lease Losses 1,633 524
Pretax Operating Income (TE) 4,816 4,819
Pretax Net Operating Income (TE) 4,914 4,946
Applicable Income Taxes — 576
Net Operating Income 4,117 3,858
Net Income 4,117 3,845
Cash Dividends Declared 4,760 1,701
Retained Earnings -643 1,997