Treaty Oak Bank
Austin, TX — Domestic Branch of a Domestic Bank
Acquired May 2011
Net Income Analysis
( % relative to Total Revenue )
| Income Statement | Treaty Oak Bank | All Insured Commercial Banks in Texas |
| Interest and Fees on Loans | 518 | 1,908 |
| Income from Lease Financing Receivables | 7 | 0 |
| — | 7 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | — | 3 |
| Income on Loans and Leases (TE) | 525 | 1,922 |
| Investment Interest Income (TE) | 37 | 451 |
| Total Interest Income (TE) | 582 | 2,465 |
| Total Interest Expense | 119 | 411 |
| Net Interest Income (TE) | 463 | 2,038 |
| Non-Interest Income | 124 | 405 |
| Adjusted Operating Income (TE) | 587 | 2,458 |
| Non-interest Expense | 874 | 1,696 |
| Provision for Loan & Lease Losses | — | 103 |
| Pretax Operating Income (TE) | -287 | 659 |
| Pretax Net Operating Income (TE) | -287 | 670 |
| Applicable Income Taxes | -99 | 65 |
| Net Operating Income | -188 | 529 |
| Net Income | -188 | 528 |
| Cash Dividends Declared | — | 136 |
| Retained Earnings | -188 | 328 |