Net Income Analysis ( % relative to Total Revenue )
Income Statement Transpecos Banks, Ssb All Insured Commercial Banks in Texas
Interest and Fees on Loans 5,877 10,872
Income from Lease Financing Receivables — 2
7 44
Estimated Tax Benefit from Tax-Exempt Loan Income 4 22
Income on Loans and Leases (TE) 5,881 10,941
Investment Interest Income (TE) 802 2,007
Total Interest Income (TE) 6,767 13,476
Total Interest Expense 263 1,063
Net Interest Income (TE) 6,504 12,338
Non-Interest Income 2,493 2,639
Adjusted Operating Income (TE) 8,997 15,335
Non-interest Expense 7,798 9,693
Provision for Loan & Lease Losses 143 524
Pretax Operating Income (TE) 1,056 4,819
Pretax Net Operating Income (TE) 1,147 4,946
Applicable Income Taxes — 576
Net Operating Income 957 3,858
Net Income 957 3,845
Cash Dividends Declared — 1,701
Retained Earnings 957 1,997