First Interstate Bank
Billings, MT — State Member Bank
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Net Income Analysis
( % relative to Total Revenue )
| Income Statement | First Interstate Bank | All Insured Commercial Banks in Montana |
| Interest and Fees on Loans | 259,257 | 8,885 |
| Income from Lease Financing Receivables | 234 | 1 |
| 4,377 | 35 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | 2,317 | 17 |
| Income on Loans and Leases (TE) | 261,808 | 8,904 |
| Investment Interest Income (TE) | 37,431 | 1,082 |
| Total Interest Income (TE) | 302,900 | 10,108 |
| Total Interest Expense | 13,469 | 784 |
| Net Interest Income (TE) | 289,431 | 9,278 |
| Non-Interest Income | 121,548 | 2,109 |
| Adjusted Operating Income (TE) | 410,979 | 11,382 |
| Non-interest Expense | 232,374 | 6,724 |
| Provision for Loan & Lease Losses | 9,991 | 241 |
| Pretax Operating Income (TE) | 168,614 | 4,367 |
| Pretax Net Operating Income (TE) | 168,944 | 4,427 |
| Applicable Income Taxes | 57,154 | 499 |
| Net Operating Income | 107,648 | 3,773 |
| Net Income | 107,648 | 3,773 |
| Cash Dividends Declared | 140,000 | 2,023 |
| Retained Earnings | -32,352 | 1,276 |