Valley Premier Bank
Hawley, MN — Non-member Bank
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Net Income Analysis
( % relative to Total Revenue )
| Income Statement | Valley Premier Bank | All Insured Commercial Banks in Minnesota |
| Interest and Fees on Loans | 3,085 | 4,864 |
| Income from Lease Financing Receivables | — | 12 |
| — | 40 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | — | 20 |
| Income on Loans and Leases (TE) | 3,085 | 4,921 |
| Investment Interest Income (TE) | 756 | 592 |
| Total Interest Income (TE) | 3,930 | 5,709 |
| Total Interest Expense | 230 | 508 |
| Net Interest Income (TE) | 3,700 | 5,181 |
| Non-Interest Income | 213 | 905 |
| Adjusted Operating Income (TE) | 3,913 | 6,155 |
| Non-interest Expense | 2,803 | 4,018 |
| Provision for Loan & Lease Losses | — | 126 |
| Pretax Operating Income (TE) | 1,110 | 1,907 |
| Pretax Net Operating Income (TE) | 1,139 | 1,940 |
| Applicable Income Taxes | 1 | 97 |
| Net Operating Income | 1,137 | 1,682 |
| Net Income | 1,137 | 1,683 |
| Cash Dividends Declared | 740 | 1,029 |
| Retained Earnings | 397 | 636 |