Net Income Analysis ( % relative to Total Revenue )
Income Statement Zavala County Bank All Insured Commercial Banks in Texas
Interest and Fees on Loans 676 10,872
Income from Lease Financing Receivables — 2
14 44
Estimated Tax Benefit from Tax-Exempt Loan Income 7 22
Income on Loans and Leases (TE) 683 10,941
Investment Interest Income (TE) 1,377 2,007
Total Interest Income (TE) 2,123 13,476
Total Interest Expense 157 1,063
Net Interest Income (TE) 1,966 12,338
Non-Interest Income 949 2,639
Adjusted Operating Income (TE) 2,915 15,335
Non-interest Expense 1,867 9,693
Provision for Loan & Lease Losses — 524
Pretax Operating Income (TE) 1,048 4,819
Pretax Net Operating Income (TE) 1,087 4,946
Applicable Income Taxes -32 576
Net Operating Income 755 3,858
Net Income 755 3,845
Cash Dividends Declared 500 1,701
Retained Earnings 255 1,997