Net Income Analysis ( % relative to Total Revenue )
Income Statement The Hondo National Bank All Insured Commercial Banks in Texas
Interest and Fees on Loans 6,632 10,872
Income from Lease Financing Receivables 19 2
— 44
Estimated Tax Benefit from Tax-Exempt Loan Income — 22
Income on Loans and Leases (TE) 6,651 10,941
Investment Interest Income (TE) 2,675 2,007
Total Interest Income (TE) 9,429 13,476
Total Interest Expense 887 1,063
Net Interest Income (TE) 8,542 12,338
Non-Interest Income 1,229 2,639
Adjusted Operating Income (TE) 9,771 15,335
Non-interest Expense 5,990 9,693
Provision for Loan & Lease Losses 240 524
Pretax Operating Income (TE) 3,541 4,819
Pretax Net Operating Income (TE) 3,699 4,946
Applicable Income Taxes — 576
Net Operating Income 3,029 3,858
Net Income 3,029 3,845
Cash Dividends Declared 2,152 1,701
Retained Earnings 877 1,997