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El Camino National Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$1,749,000	9,740
Total interest expense	$758,000	9,774
Net interest income	$991,000	9,579
Provision for loan and lease losses	$227,000	3,139
Total noninterest income	$95,000	9,977
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$71,000	8,245
Trading account gains and fees	NA	NA
Additional Noninterest Income	$24,000	10,174
Total noninterest expense	$1,179,000	8,039
Salaries and employee benefits	$398,000	9,615
Premises and equipment expense	$157,000	7,897
Additional noninterest expense	$624,000	6,204
Pre-tax net operating income	$-320,000	11,151
Securities gains (losses)	$0	4,148
Applicable income taxes	$-70,000	11,126
Income before extraordinary items	$-250,000	11,146
Extraordinary gains, net	$0	53
Net income	$-250,000	11,144
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$141,000	3,285
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$-250,000	11,113
1995-12-31 (YTD Data)		Rank
Total interest income	$1,938,000	9,823
Total interest expense	$864,000	9,755
Net interest income	$1,074,000	9,704
Provision for loan and lease losses	$175,000	3,337
Total noninterest income	$92,000	10,456
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$75,000	8,443
Trading account gains and fees	NA	NA
Additional Noninterest Income	$17,000	11,076
Total noninterest expense	$940,000	9,208
Salaries and employee benefits	$430,000	9,691
Premises and equipment expense	$165,000	7,915
Additional noninterest expense	$340,000	8,794
Pre-tax net operating income	$56,000	11,281
Securities gains (losses)	$0	3,831
Applicable income taxes	$6,000	10,990
Income before extraordinary items	$50,000	11,286
Extraordinary gains, net	$0	65
Net income	$50,000	11,285
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$96,000	3,855
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$50,000	11,254
1994-12-31 (YTD Data)		Rank
Total interest income	$1,772,000	10,228
Total interest expense	$744,000	9,856
Net interest income	$1,028,000	10,302
Provision for loan and lease losses	$90,000	4,765
Total noninterest income	$90,000	10,990
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$76,000	8,813
Trading account gains and fees	NA	NA
Additional Noninterest Income	$14,000	11,845
Total noninterest expense	$915,000	9,707
Salaries and employee benefits	$416,000	10,140
Premises and equipment expense	$196,000	7,517
Additional noninterest expense	$303,000	9,934
Pre-tax net operating income	$113,000	11,539
Securities gains (losses)	$0	3,600
Applicable income taxes	$-54,000	12,227
Income before extraordinary items	$167,000	10,635
Extraordinary gains, net	$0	249
Net income	$167,000	10,641
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$175,000	2,727
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$167,000	10,679
1993-12-31 (YTD Data)		Rank
Total interest income	$1,741,000	10,724
Total interest expense	$751,000	10,298
Net interest income	$990,000	10,821
Provision for loan and lease losses	$110,000	5,504
Total noninterest income	$91,000	11,541
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$61,000	9,646
Trading account gains and fees	NA	NA
Additional Noninterest Income	$30,000	11,310
Total noninterest expense	$850,000	10,435
Salaries and employee benefits	$380,000	10,838
Premises and equipment expense	$212,000	7,448
Additional noninterest expense	$258,000	10,975
Pre-tax net operating income	$121,000	11,708
Securities gains (losses)	$0	7,477
Applicable income taxes	$-100,000	12,961
Income before extraordinary items	$221,000	10,396
Extraordinary gains, net	$0	3,149
Net income	$221,000	10,503
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$75,000	5,182
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$221,000	10,159
1992-12-31 (YTD Data)		Rank
Total interest income	$1,610,000	11,709
Total interest expense	$744,000	11,608
Net interest income	$866,000	11,651
Provision for loan and lease losses	$133,000	6,435
Total noninterest income	$85,000	12,134
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$52,000	10,228
Trading account gains and fees	NA	NA
Additional Noninterest Income	$33,000	11,562
Total noninterest expense	$785,000	11,082
Salaries and employee benefits	$312,000	11,880
Premises and equipment expense	$235,000	7,071
Additional noninterest expense	$238,000	11,701
Pre-tax net operating income	$33,000	12,515
Securities gains (losses)	$0	8,369
Applicable income taxes	$4,000	12,540
Income before extraordinary items	$29,000	12,714
Extraordinary gains, net	$0	1,422
Net income	$29,000	12,709
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$27,000	8,662
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$74,000	879
Net operating income	$29,000	12,475

* 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.