Whisperwood National Bank
Lubbock, TX — Domestic Branch of a Domestic Bank
Acquired Jan 2003
Net Income Analysis
( % relative to Total Revenue )
Income Statement | Whisperwood National Bank | All Insured Commercial Banks in Texas |
Interest and Fees on Loans | 3,587 | 4,570 |
Income from Lease Financing Receivables | — | 523 |
— | 104 | |
Estimated Tax Benefit from Tax-Exempt Loan Income | — | 54 |
Income on Loans and Leases (TE) | 3,587 | 4,602 |
Investment Interest Income (TE) | 608 | 1,703 |
Total Interest Income (TE) | 4,451 | 6,462 |
Total Interest Expense | 1,231 | 1,882 |
Net Interest Income (TE) | 3,220 | 4,546 |
Non-Interest Income | 917 | 1,223 |
Adjusted Operating Income (TE) | 4,137 | 5,826 |
Non-interest Expense | 3,307 | 3,733 |
Provision for Loan & Lease Losses | 223 | 774 |
Pretax Operating Income (TE) | 607 | 4,646 |
Pretax Net Operating Income (TE) | 607 | 4,853 |
Applicable Income Taxes | 22 | 1,853 |
Net Operating Income | 583 | 3,383 |
Net Income | 583 | 3,382 |
Cash Dividends Declared | 278 | 2,436 |
Retained Earnings | 305 | 1,744 |