Net Income Analysis ( % relative to Total Revenue )
Income Statement The First State Bank All Insured Commercial Banks in Texas
Interest and Fees on Loans 1,723 4,504
Income from Lease Financing Receivables — 568
— 109
Estimated Tax Benefit from Tax-Exempt Loan Income — 55
Income on Loans and Leases (TE) 1,723 4,536
Investment Interest Income (TE) 324 1,389
Total Interest Income (TE) 2,061 6,067
Total Interest Expense 457 1,474
Net Interest Income (TE) 1,604 4,583
Non-Interest Income 440 1,292
Adjusted Operating Income (TE) 2,044 5,945
Non-interest Expense 1,518 3,888
Provision for Loan & Lease Losses 36 605
Pretax Operating Income (TE) 490 3,816
Pretax Net Operating Income (TE) 78 3,973
Applicable Income Taxes — 1,469
Net Operating Income 64 2,851
Net Income 64 2,887
Cash Dividends Declared 202 1,882
Retained Earnings — 1,668