Home > First National Bank of Montana > Income and Expense
First National Bank of Montana, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,074,000 | 8,913 |
| Total interest expense | $952,000 | 8,824 |
| Net interest income | $1,122,000 | 8,885 |
| Provision for loan and lease losses | $60,000 | 6,153 |
| Total noninterest income | $383,000 | 5,868 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $114,000 | 6,900 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $269,000 | 4,185 |
| Total noninterest expense | $1,297,000 | 7,344 |
| Salaries and employee benefits | $657,000 | 7,564 |
| Premises and equipment expense | $190,000 | 7,020 |
| Additional noninterest expense | $450,000 | 6,925 |
| Pre-tax net operating income | $148,000 | 9,852 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $60,000 | 9,083 |
| Income before extraordinary items | $88,000 | 10,032 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $88,000 | 10,035 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 6,076 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $88,000 | 9,994 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $929,000 | 10,901 |
| Total interest expense | $393,000 | 10,889 |
| Net interest income | $536,000 | 10,810 |
| Provision for loan and lease losses | $67,000 | 5,924 |
| Total noninterest income | $123,000 | 9,477 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $70,000 | 8,274 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $53,000 | 8,764 |
| Total noninterest expense | $984,000 | 8,724 |
| Salaries and employee benefits | $486,000 | 8,988 |
| Premises and equipment expense | $147,000 | 8,133 |
| Additional noninterest expense | $351,000 | 8,347 |
| Pre-tax net operating income | $-392,000 | 11,192 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $-155,000 | 11,237 |
| Income before extraordinary items | $-237,000 | 11,131 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-237,000 | 11,129 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 8,146 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-237,000 | 11,095 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $100,000 | 11,938 |
| Total interest expense | $22,000 | 11,927 |
| Net interest income | $78,000 | 11,931 |
| Provision for loan and lease losses | $12,000 | 8,132 |
| Total noninterest income | $8,000 | 11,878 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $4,000 | 10,263 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 11,796 |
| Total noninterest expense | $216,000 | 11,858 |
| Salaries and employee benefits | $113,000 | 11,838 |
| Premises and equipment expense | $28,000 | 11,660 |
| Additional noninterest expense | $75,000 | 11,789 |
| Pre-tax net operating income | $-142,000 | 11,629 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $-48,000 | 11,634 |
| Income before extraordinary items | $-94,000 | 11,598 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-94,000 | 11,597 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $2,500,000 | 180 |
| Net operating income | $-94,000 | 11,578 |
* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.