First International Bank & Trust
Watford City, ND — Non-member Bank
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Net Income Analysis
( % relative to Total Revenue )
| Income Statement | First International Bank & Trust | All Insured Commercial Banks in North Dakota |
| Interest and Fees on Loans | 89,894 | 7,878 |
| Income from Lease Financing Receivables | 254 | 41 |
| 290 | 62 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | 156 | 32 |
| Income on Loans and Leases (TE) | 90,304 | 8,071 |
| Investment Interest Income (TE) | 10,304 | 1,178 |
| Total Interest Income (TE) | 100,776 | 9,503 |
| Total Interest Expense | 6,970 | 749 |
| Net Interest Income (TE) | 93,806 | 8,704 |
| Non-Interest Income | 21,876 | 1,682 |
| Adjusted Operating Income (TE) | 115,682 | 10,383 |
| Non-interest Expense | 75,505 | 6,115 |
| Provision for Loan & Lease Losses | 11,900 | 424 |
| Pretax Operating Income (TE) | 28,277 | 3,789 |
| Pretax Net Operating Income (TE) | 28,482 | 3,895 |
| Applicable Income Taxes | — | 324 |
| Net Operating Income | 25,785 | 3,002 |
| Net Income | 25,785 | 3,002 |
| Cash Dividends Declared | 19,200 | 1,740 |
| Retained Earnings | 6,585 | 1,178 |