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 |