A bank has total interest income of $81.45 million and total noninterest income of $14.65 million. This bank has total interest expenses of $25 million and total noninterest expenses (excluding provision for loan losses and tax expenses) of $15 million. Its provision for loan losses is $8.55 million and its tax expenses are $4.38 million.

What is this bank's net income? Please round your answer to the second decimal of million dollar unit without dollar sign. For example, if your answer is $1,234,567 ($1.23 million), you should answer 1.23 instead