Net Income Analysis ( % relative to Total Revenue )
Income Statement Third Coast Bank, Ssb All Insured Savings Banks in Texas
Interest and Fees on Loans 22,231 25,416
Income from Lease Financing Receivables 316 37
21 19
Estimated Tax Benefit from Tax-Exempt Loan Income 11 10
Income on Loans and Leases (TE) 22,558 25,508
Investment Interest Income (TE) 27 1,744
Total Interest Income (TE) 22,656 27,653
Total Interest Expense 2,728 2,983
Net Interest Income (TE) 19,928 24,676
Non-Interest Income 3,767 8,040
Adjusted Operating Income (TE) 23,695 32,713
Non-interest Expense 17,205 20,373
Provision for Loan & Lease Losses 1,200 900
Pretax Operating Income (TE) 5,290 11,517
Pretax Net Operating Income (TE) 5,290 11,901
Applicable Income Taxes 1,800 1,411
Net Operating Income 3,479 10,708
Net Income 3,479 10,708
Cash Dividends Declared — 4,954
Retained Earnings 3,479 5,973