Net Income Analysis ( % relative to Total Revenue )
Income Statement Usaa Federal Savings Bank All Insured Savings Banks in Texas
Interest and Fees on Loans 2,972,098 25,416
Income from Lease Financing Receivables — 37
— 19
Estimated Tax Benefit from Tax-Exempt Loan Income — 10
Income on Loans and Leases (TE) 2,972,098 25,508
Investment Interest Income (TE) 309,373 1,744
Total Interest Income (TE) 3,330,680 27,653
Total Interest Expense 172,930 2,983
Net Interest Income (TE) 3,157,750 24,676
Non-Interest Income 2,255,476 8,040
Adjusted Operating Income (TE) 5,413,226 32,713
Non-interest Expense 3,574,259 20,373
Provision for Loan & Lease Losses 718,708 900
Pretax Operating Income (TE) 1,120,259 11,517
Pretax Net Operating Income (TE) 1,120,259 11,901
Applicable Income Taxes 408,742 1,411
Net Operating Income 711,517 10,708
Net Income 711,517 10,708
Cash Dividends Declared 248,663 4,954
Retained Earnings 462,854 5,973