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Alpine Savings Bank, Income and Expense

1998-12-31 (YTD Data)		Rank
Total interest income	$1,742,000	9,001
Total interest expense	$1,050,000	8,284
Net interest income	$692,000	9,516
Provision for loan and lease losses	$2,000	8,582
Total noninterest income	$41,000	9,961
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$36,000	8,384
Trading account gains and fees	NA	NA
Additional Noninterest Income	$5,000	10,199
Total noninterest expense	$652,000	9,256
Salaries and employee benefits	$312,000	9,559
Premises and equipment expense	$86,000	9,014
Additional noninterest expense	$254,000	8,566
Pre-tax net operating income	$79,000	9,502
Securities gains (losses)	$0	4,449
Applicable income taxes	$-8,000	10,012
Income before extraordinary items	$87,000	9,424
Extraordinary gains, net	$0	32
Net income	$87,000	9,425
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	7,038
Cash dividends	$43,000	6,995
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$87,000	9,360
1997-12-31 (YTD Data)		Rank
Total interest income	$1,837,000	9,222
Total interest expense	$1,118,000	8,356
Net interest income	$719,000	9,889
Provision for loan and lease losses	$-8,000	10,606
Total noninterest income	$42,000	10,415
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$39,000	8,702
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,000	10,761
Total noninterest expense	$590,000	9,789
Salaries and employee benefits	$294,000	9,998
Premises and equipment expense	$84,000	9,342
Additional noninterest expense	$212,000	9,245
Pre-tax net operating income	$179,000	9,691
Securities gains (losses)	$0	3,944
Applicable income taxes	$27,000	9,605
Income before extraordinary items	$152,000	9,560
Extraordinary gains, net	$0	44
Net income	$152,000	9,563
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	7,728
Cash dividends	$22,000	7,582
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$152,000	9,523
1996-12-31 (YTD Data)		Rank
Total interest income	$1,746,000	9,744
Total interest expense	$1,071,000	8,781
Net interest income	$675,000	10,457
Provision for loan and lease losses	$7,000	8,718
Total noninterest income	$45,000	10,935
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$41,000	9,085
Trading account gains and fees	NA	NA
Additional Noninterest Income	$4,000	11,246
Total noninterest expense	$731,000	9,703
Salaries and employee benefits	$261,000	10,647
Premises and equipment expense	$85,000	9,680
Additional noninterest expense	$385,000	8,005
Pre-tax net operating income	$-18,000	10,842
Securities gains (losses)	$0	4,148
Applicable income taxes	$-8,000	10,941
Income before extraordinary items	$-10,000	10,845
Extraordinary gains, net	$0	53
Net income	$-10,000	10,841
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	10,018
Cash dividends	$43,000	7,669
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$-10,000	10,801
1995-12-31 (YTD Data)		Rank
Total interest income	$1,727,000	10,132
Total interest expense	$989,000	9,295
Net interest income	$738,000	10,728
Provision for loan and lease losses	$17,000	7,866
Total noninterest income	$45,000	11,437
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$41,000	9,495
Trading account gains and fees	NA	NA
Additional Noninterest Income	$4,000	11,796
Total noninterest expense	$604,000	10,552
Salaries and employee benefits	$255,000	11,117
Premises and equipment expense	$93,000	9,830
Additional noninterest expense	$256,000	9,768
Pre-tax net operating income	$162,000	10,702
Securities gains (losses)	$24,000	1,774
Applicable income taxes	$26,000	10,655
Income before extraordinary items	$160,000	10,367
Extraordinary gains, net	$0	65
Net income	$160,000	10,370
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	7,801
Cash dividends	$37,000	8,051
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$139,360	10,534
1994-12-31 (YTD Data)		Rank
Total interest income	$1,559,000	10,619
Total interest expense	$847,000	9,363
Net interest income	$712,000	11,339
Provision for loan and lease losses	$17,000	7,997
Total noninterest income	$71,000	11,467
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$71,000	8,612
Total noninterest expense	$611,000	11,073
Salaries and employee benefits	$277,000	11,412
Premises and equipment expense	$226,000	6,941
Additional noninterest expense	$108,000	12,233
Pre-tax net operating income	$155,000	11,235
Securities gains (losses)	$0	3,600
Applicable income taxes	$18,000	11,192
Income before extraordinary items	$137,000	10,975
Extraordinary gains, net	$0	249
Net income	$137,000	10,982
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	8,352
Cash dividends	$31,000	8,338
Sale, conversion, retirement of capital stock, net	$5,000	1,118
Net operating income	$137,000	11,028
1993-12-31 (YTD Data)		Rank
Total interest income	$1,629,000	10,948
Total interest expense	$904,000	9,532
Net interest income	$725,000	11,770
Provision for loan and lease losses	$12,000	9,545
Total noninterest income	$70,000	12,069
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$70,000	9,084
Total noninterest expense	$634,000	11,470
Salaries and employee benefits	$281,000	11,862
Premises and equipment expense	$246,000	6,763
Additional noninterest expense	$107,000	12,874
Pre-tax net operating income	$149,000	11,480
Securities gains (losses)	$0	7,477
Applicable income taxes	$25,000	11,496
Income before extraordinary items	$124,000	11,531
Extraordinary gains, net	$0	3,149
Net income	$124,000	11,583
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	9,554
Cash dividends	$43,000	8,150
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$124,000	11,317
1992-12-31 (YTD Data)		Rank
Total interest income	$1,820,000	11,258
Total interest expense	$1,113,000	9,939
Net interest income	$707,000	12,292
Provision for loan and lease losses	$21,000	10,525
Total noninterest income	$67,000	12,655
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$67,000	9,442
Total noninterest expense	$595,000	12,093
Salaries and employee benefits	$256,000	12,544
Premises and equipment expense	$228,000	7,203
Additional noninterest expense	$111,000	13,421
Pre-tax net operating income	$158,000	11,446
Securities gains (losses)	$13,000	6,142
Applicable income taxes	$42,000	11,481
Income before extraordinary items	$129,000	11,554
Extraordinary gains, net	$0	1,422
Net income	$129,000	11,633
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	11,197
Cash dividends	$32,000	8,174
Sale, conversion, retirement of capital stock, net	$165,000	760
Net operating income	$119,250	11,372

* 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.