Home > Montana First National Bank > Income and Expense
Montana First National Bank, Income and Expense
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $683,000 | 8,743 |
| Total interest expense | $205,000 | 8,648 |
| Net interest income | $478,000 | 8,720 |
| Provision for loan and lease losses | $20,000 | 6,734 |
| Total noninterest income | $125,000 | 7,698 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $71,000 | 6,699 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $54,000 | 7,104 |
| Total noninterest expense | $524,000 | 8,469 |
| Salaries and employee benefits | $286,000 | 8,481 |
| Premises and equipment expense | $44,000 | 8,675 |
| Additional noninterest expense | $194,000 | 8,040 |
| Pre-tax net operating income | $59,000 | 8,412 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $14,000 | 6,958 |
| Income before extraordinary items | $45,000 | 8,544 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $45,000 | 8,545 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 6,480 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $45,000 | 8,441 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $277,000 | 9,042 |
| Total interest expense | $84,000 | 8,971 |
| Net interest income | $193,000 | 9,033 |
| Provision for loan and lease losses | $8,000 | 6,936 |
| Total noninterest income | $46,000 | 8,450 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $32,000 | 7,257 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $14,000 | 8,211 |
| Total noninterest expense | $192,000 | 9,064 |
| Salaries and employee benefits | $101,000 | 9,076 |
| Premises and equipment expense | $16,000 | 9,035 |
| Additional noninterest expense | $75,000 | 8,799 |
| Pre-tax net operating income | $39,000 | 8,446 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $11,000 | 6,920 |
| Income before extraordinary items | $28,000 | 8,599 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $28,000 | 8,600 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $28,000 | 8,476 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $486,000 | 7,807 |
| Total interest expense | $133,000 | 7,992 |
| Net interest income | $353,000 | 7,591 |
| Provision for loan and lease losses | $12,000 | 5,906 |
| Total noninterest income | $80,000 | 6,439 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $57,000 | 4,884 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $23,000 | 6,700 |
| Total noninterest expense | $271,000 | 7,744 |
| Salaries and employee benefits | $146,000 | 7,774 |
| Premises and equipment expense | $23,000 | 8,216 |
| Additional noninterest expense | $102,000 | 7,099 |
| Pre-tax net operating income | $150,000 | 6,460 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $52,000 | 5,042 |
| Income before extraordinary items | $98,000 | 6,936 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $98,000 | 6,938 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,853 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $98,000 | 6,777 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,008,000 | 7,839 |
| Total interest expense | $648,000 | 7,960 |
| Net interest income | $1,360,000 | 7,656 |
| Provision for loan and lease losses | $18,000 | 7,572 |
| Total noninterest income | $256,000 | 6,807 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $157,000 | 5,752 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $99,000 | 6,467 |
| Total noninterest expense | $1,078,000 | 7,762 |
| Salaries and employee benefits | $623,000 | 7,616 |
| Premises and equipment expense | $95,000 | 8,237 |
| Additional noninterest expense | $360,000 | 7,410 |
| Pre-tax net operating income | $520,000 | 6,696 |
| Securities gains (losses) | $5,000 | 3,957 |
| Applicable income taxes | $164,000 | 5,397 |
| Income before extraordinary items | $361,000 | 7,026 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $361,000 | 7,027 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,261 |
| Cash dividends | $30,000 | 6,117 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $357,550 | 6,915 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,139,000 | 8,078 |
| Total interest expense | $999,000 | 8,026 |
| Net interest income | $1,140,000 | 8,005 |
| Provision for loan and lease losses | $45,000 | 6,815 |
| Total noninterest income | $292,000 | 6,501 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $193,000 | 5,252 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $99,000 | 6,463 |
| Total noninterest expense | $1,042,000 | 7,846 |
| Salaries and employee benefits | $580,000 | 7,761 |
| Premises and equipment expense | $104,000 | 8,232 |
| Additional noninterest expense | $358,000 | 7,449 |
| Pre-tax net operating income | $345,000 | 7,208 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $117,000 | 5,804 |
| Income before extraordinary items | $228,000 | 7,547 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $228,000 | 7,549 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,011 |
| Cash dividends | $66,000 | 6,021 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $228,000 | 7,425 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,922,000 | 8,484 |
| Total interest expense | $872,000 | 8,483 |
| Net interest income | $1,050,000 | 8,387 |
| Provision for loan and lease losses | $48,000 | 6,621 |
| Total noninterest income | $222,000 | 7,052 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $147,000 | 5,810 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $75,000 | 7,039 |
| Total noninterest expense | $927,000 | 8,226 |
| Salaries and employee benefits | $515,000 | 8,173 |
| Premises and equipment expense | $100,000 | 8,440 |
| Additional noninterest expense | $312,000 | 7,850 |
| Pre-tax net operating income | $297,000 | 7,909 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $83,000 | 6,747 |
| Income before extraordinary items | $214,000 | 7,989 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $214,000 | 7,989 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 5,623 |
| Cash dividends | $15,000 | 6,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $214,000 | 7,989 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,562,000 | 8,987 |
| Total interest expense | $679,000 | 8,993 |
| Net interest income | $883,000 | 8,875 |
| Provision for loan and lease losses | $48,000 | 6,602 |
| Total noninterest income | $154,000 | 8,055 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $117,000 | 6,410 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $37,000 | 8,550 |
| Total noninterest expense | $762,000 | 8,841 |
| Salaries and employee benefits | $380,000 | 9,007 |
| Premises and equipment expense | $97,000 | 8,686 |
| Additional noninterest expense | $285,000 | 8,244 |
| Pre-tax net operating income | $227,000 | 8,445 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $20,000 | 8,212 |
| Income before extraordinary items | $207,000 | 8,255 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $207,000 | 8,255 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $207,000 | 8,222 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,275,000 | 9,568 |
| Total interest expense | $627,000 | 9,403 |
| Net interest income | $648,000 | 9,615 |
| Provision for loan and lease losses | $40,000 | 6,927 |
| Total noninterest income | $135,000 | 8,471 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $108,000 | 6,714 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $27,000 | 9,156 |
| Total noninterest expense | $660,000 | 9,223 |
| Salaries and employee benefits | $307,000 | 9,590 |
| Premises and equipment expense | $94,000 | 8,844 |
| Additional noninterest expense | $259,000 | 8,513 |
| Pre-tax net operating income | $83,000 | 9,479 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $83,000 | 9,448 |
| Extraordinary gains, net | $-50,000 | 10,416 |
| Net income | $33,000 | 9,706 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,720 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $83,000 | 9,384 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $755,000 | 10,518 |
| Total interest expense | $309,000 | 10,502 |
| Net interest income | $446,000 | 10,489 |
| Provision for loan and lease losses | $39,000 | 7,061 |
| Total noninterest income | $103,000 | 9,351 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $66,000 | 7,983 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $37,000 | 8,993 |
| Total noninterest expense | $578,000 | 9,834 |
| Salaries and employee benefits | $295,000 | 9,986 |
| Premises and equipment expense | $90,000 | 9,218 |
| Additional noninterest expense | $193,000 | 9,500 |
| Pre-tax net operating income | $-68,000 | 10,459 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $-68,000 | 10,489 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-68,000 | 10,491 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-68,000 | 10,452 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $129,000 | 11,402 |
| Total interest expense | $36,000 | 11,376 |
| Net interest income | $93,000 | 11,397 |
| Provision for loan and lease losses | $4,000 | 8,888 |
| Total noninterest income | $20,000 | 11,238 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $12,000 | 9,717 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $8,000 | 11,065 |
| Total noninterest expense | $241,000 | 11,324 |
| Salaries and employee benefits | $123,000 | 11,307 |
| Premises and equipment expense | $38,000 | 10,966 |
| Additional noninterest expense | $80,000 | 11,252 |
| Pre-tax net operating income | $-132,000 | 11,002 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $-132,000 | 11,039 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-132,000 | 11,037 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $1,996,000 | 303 |
| Net operating income | $-132,000 | 10,997 |
* 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.