A bank has total interest income of $71.101 million and total noninterest income of $9.924 million. This bank has total interest expenses of $22.685 million and total noninterest expenses (excluding PLL) of $23.036 million. Its provision for loan losses is $1.631 million and its taxes are $3.923 million. What is this bank's net income, to the nearest $0.001 million? E.g. if your answer is $25.6755 million, record it as 25.676.