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Greenhorn Valley Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$857,000	10,971
Total interest expense	$321,000	11,035
Net interest income	$536,000	10,810
Provision for loan and lease losses	$66,000	5,953
Total noninterest income	$125,000	9,446
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$92,000	7,673
Trading account gains and fees	NA	NA
Additional Noninterest Income	$33,000	9,697
Total noninterest expense	$459,000	10,757
Salaries and employee benefits	$227,000	10,863
Premises and equipment expense	$56,000	10,464
Additional noninterest expense	$176,000	10,221
Pre-tax net operating income	$136,000	10,167
Securities gains (losses)	$0	4,148
Applicable income taxes	$44,000	9,795
Income before extraordinary items	$92,000	10,290
Extraordinary gains, net	$0	53
Net income	$92,000	10,289
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$58,000	5,007
Cash dividends	$19,000	8,090
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$92,000	10,240
1995-12-31 (YTD Data)		Rank
Total interest income	$718,000	11,613
Total interest expense	$248,000	11,677
Net interest income	$470,000	11,470
Provision for loan and lease losses	$13,000	8,094
Total noninterest income	$131,000	9,641
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$97,000	7,858
Trading account gains and fees	NA	NA
Additional Noninterest Income	$34,000	10,029
Total noninterest expense	$444,000	11,259
Salaries and employee benefits	$194,000	11,526
Premises and equipment expense	$62,000	10,713
Additional noninterest expense	$188,000	10,575
Pre-tax net operating income	$144,000	10,810
Securities gains (losses)	$-5,000	9,676
Applicable income taxes	$37,000	10,445
Income before extraordinary items	$102,000	10,914
Extraordinary gains, net	$0	65
Net income	$102,000	10,915
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,000	6,445
Cash dividends	$19,000	8,430
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$105,650	10,857
1994-12-31 (YTD Data)		Rank
Total interest income	$618,000	12,290
Total interest expense	$197,000	12,340
Net interest income	$421,000	12,193
Provision for loan and lease losses	$31,000	7,056
Total noninterest income	$126,000	10,184
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$80,000	8,680
Trading account gains and fees	NA	NA
Additional Noninterest Income	$46,000	9,840
Total noninterest expense	$414,000	11,975
Salaries and employee benefits	$167,000	12,273
Premises and equipment expense	$61,000	11,267
Additional noninterest expense	$186,000	11,325
Pre-tax net operating income	$102,000	11,617
Securities gains (losses)	$-1,000	8,790
Applicable income taxes	$26,000	11,018
Income before extraordinary items	$75,000	11,617
Extraordinary gains, net	$0	249
Net income	$75,000	11,626
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,000	6,413
Cash dividends	$25,000	8,461
Sale, conversion, retirement of capital stock, net	$113,000	786
Net operating income	$75,740	11,659
1993-12-31 (YTD Data)		Rank
Total interest income	$579,000	12,964
Total interest expense	$185,000	13,030
Net interest income	$394,000	12,827
Provision for loan and lease losses	$24,000	8,778
Total noninterest income	$81,000	11,784
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$70,000	9,341
Trading account gains and fees	NA	NA
Additional Noninterest Income	$11,000	12,687
Total noninterest expense	$369,000	12,763
Salaries and employee benefits	$152,000	12,975
Premises and equipment expense	$67,000	11,617
Additional noninterest expense	$150,000	12,427
Pre-tax net operating income	$82,000	11,984
Securities gains (losses)	$0	7,477
Applicable income taxes	$16,000	11,688
Income before extraordinary items	$66,000	12,126
Extraordinary gains, net	$16,000	2,794
Net income	$82,000	12,020
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$42,000	6,409
Cash dividends	$2,000	9,058
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$66,000	11,975
1992-12-31 (YTD Data)		Rank
Total interest income	$570,000	13,646
Total interest expense	$218,000	13,680
Net interest income	$352,000	13,502
Provision for loan and lease losses	$50,000	9,026
Total noninterest income	$74,000	12,451
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$57,000	10,031
Trading account gains and fees	NA	NA
Additional Noninterest Income	$17,000	12,822
Total noninterest expense	$345,000	13,415
Salaries and employee benefits	$138,000	13,636
Premises and equipment expense	$63,000	12,143
Additional noninterest expense	$144,000	13,046
Pre-tax net operating income	$31,000	12,528
Securities gains (losses)	$5,000	7,049
Applicable income taxes	$0	12,680
Income before extraordinary items	$36,000	12,668
Extraordinary gains, net	$0	1,422
Net income	$36,000	12,664
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$48,000	7,638
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$31,000	12,459

* 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.