First Integrity Bank, National Association
Staples, MN — National Bank
Acquired May 2008
Net Income Analysis
( % relative to Total Revenue )
| Income Statement | First Integrity Bank, National Association | All Insured Commercial Banks in Minnesota |
| Interest and Fees on Loans | 560 | 1,398 |
| Income from Lease Financing Receivables | — | 508 |
| 1 | 40 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | — | 21 |
| Income on Loans and Leases (TE) | 560 | 1,414 |
| Investment Interest Income (TE) | 87 | 211 |
| Total Interest Income (TE) | 672 | 1,678 |
| Total Interest Expense | 379 | 691 |
| Net Interest Income (TE) | 293 | 981 |
| Non-Interest Income | 150 | 166 |
| Adjusted Operating Income (TE) | 443 | 1,164 |
| Non-interest Expense | 1,632 | 768 |
| Provision for Loan & Lease Losses | 1,369 | 885 |
| Pretax Operating Income (TE) | — | 1,229 |
| Pretax Net Operating Income (TE) | — | 1,238 |
| Applicable Income Taxes | — | 656 |
| Net Operating Income | — | 891 |
| Net Income | — | 891 |
| Cash Dividends Declared | — | 1,391 |
| Retained Earnings | — | 554 |