Net Income Analysis ( % relative to Total Revenue )
Income Statement The First National Bank Of Santo All Insured Commercial Banks in Texas
Interest and Fees on Loans 2,979 7,756
Income from Lease Financing Receivables — 4,134
— 239
Estimated Tax Benefit from Tax-Exempt Loan Income — 117
Income on Loans and Leases (TE) 2,979 7,814
Investment Interest Income (TE) 1,441 2,363
Total Interest Income (TE) 4,801 10,381
Total Interest Expense 1,805 4,045
Net Interest Income (TE) 2,996 6,364
Non-Interest Income 513 1,604
Adjusted Operating Income (TE) 3,509 8,004
Non-interest Expense 2,501 5,158
Provision for Loan & Lease Losses — 1,230
Pretax Operating Income (TE) 1,008 8,305
Pretax Net Operating Income (TE) 1,008 8,264
Applicable Income Taxes 388 3,911
Net Operating Income 594 5,979
Net Income 594 5,986
Cash Dividends Declared 400 4,278
Retained Earnings 194 2,744