Stearns Bank National Association
Saint Cloud, MN — National Bank
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Net Income Analysis
( % relative to Total Revenue )
| Income Statement | Stearns Bank National Association | All Insured Commercial Banks in Minnesota |
| Interest and Fees on Loans | 130,909 | 4,864 |
| Income from Lease Financing Receivables | 12,653 | 12 |
| 3 | 40 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | 2 | 20 |
| Income on Loans and Leases (TE) | 143,564 | 4,921 |
| Investment Interest Income (TE) | 1,218 | 592 |
| Total Interest Income (TE) | 144,917 | 5,709 |
| Total Interest Expense | 11,675 | 508 |
| Net Interest Income (TE) | 133,242 | 5,181 |
| Non-Interest Income | 23,764 | 905 |
| Adjusted Operating Income (TE) | 157,006 | 6,155 |
| Non-interest Expense | 63,376 | 4,018 |
| Provision for Loan & Lease Losses | 17,989 | 126 |
| Pretax Operating Income (TE) | 75,641 | 1,907 |
| Pretax Net Operating Income (TE) | 75,641 | 1,940 |
| Applicable Income Taxes | 27,779 | 97 |
| Net Operating Income | 47,860 | 1,682 |
| Net Income | 47,860 | 1,683 |
| Cash Dividends Declared | 32,173 | 1,029 |
| Retained Earnings | 15,687 | 636 |