Net Income Analysis ( % relative to Total Revenue )
Income Statement Westbound Bank All Insured Commercial Banks in Texas
Interest and Fees on Loans 6,629 10,872
Income from Lease Financing Receivables 6 2
— 44
Estimated Tax Benefit from Tax-Exempt Loan Income — 22
Income on Loans and Leases (TE) 6,635 10,941
Investment Interest Income (TE) 492 2,007
Total Interest Income (TE) 7,214 13,476
Total Interest Expense 988 1,063
Net Interest Income (TE) 6,226 12,338
Non-Interest Income 2,007 2,639
Adjusted Operating Income (TE) 8,233 15,335
Non-interest Expense 6,255 9,693
Provision for Loan & Lease Losses 47 524
Pretax Operating Income (TE) 1,931 4,819
Pretax Net Operating Income (TE) 1,925 4,946
Applicable Income Taxes 495 576
Net Operating Income 1,309 3,858
Net Income 1,309 3,845
Cash Dividends Declared — 1,701
Retained Earnings 1,309 1,997