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Hillcrest Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$13,486,000	2,475
Total interest expense	$6,208,000	2,475
Net interest income	$7,278,000	2,459
Provision for loan and lease losses	$1,149,000	927
Total noninterest income	$1,423,000	2,386
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$971,000	1,388
Trading account gains and fees	$0	262
Additional Noninterest Income	$452,000	3,131
Total noninterest expense	$5,215,000	2,610
Salaries and employee benefits	$2,350,000	2,848
Premises and equipment expense	$773,000	2,536
Additional noninterest expense	$2,092,000	2,359
Pre-tax net operating income	$2,337,000	2,982
Securities gains (losses)	$12,000	2,365
Applicable income taxes	$893,000	2,595
Income before extraordinary items	$1,456,000	3,286
Extraordinary gains, net	$0	53
Net income	$1,456,000	3,285
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$688,000	1,131
Cash dividends	$125,000	6,318
Sale, conversion, retirement of capital stock, net	$600,000	437
Net operating income	$1,448,320	3,271
1995-12-31 (YTD Data)		Rank
Total interest income	$6,907,000	4,619
Total interest expense	$3,367,000	4,305
Net interest income	$3,540,000	4,817
Provision for loan and lease losses	$198,000	3,052
Total noninterest income	$799,000	3,689
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$519,000	2,611
Trading account gains and fees	$0	522
Additional Noninterest Income	$280,000	4,166
Total noninterest expense	$2,950,000	4,349
Salaries and employee benefits	$1,241,000	5,064
Premises and equipment expense	$491,000	3,812
Additional noninterest expense	$1,218,000	3,692
Pre-tax net operating income	$1,191,000	5,270
Securities gains (losses)	$0	3,831
Applicable income taxes	$421,000	4,768
Income before extraordinary items	$770,000	5,595
Extraordinary gains, net	$0	65
Net income	$770,000	5,594
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$126,000	3,293
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$770,000	5,580
1994-12-31 (YTD Data)		Rank
Total interest income	$3,429,000	7,439
Total interest expense	$1,366,000	7,325
Net interest income	$2,063,000	7,421
Provision for loan and lease losses	$90,000	4,765
Total noninterest income	$504,000	5,266
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$343,000	3,908
Trading account gains and fees	NA	NA
Additional Noninterest Income	$161,000	5,988
Total noninterest expense	$1,630,000	7,202
Salaries and employee benefits	$596,000	8,634
Premises and equipment expense	$244,000	6,618
Additional noninterest expense	$790,000	5,750
Pre-tax net operating income	$847,000	6,641
Securities gains (losses)	$-4,000	9,291
Applicable income taxes	$282,000	6,098
Income before extraordinary items	$561,000	6,827
Extraordinary gains, net	$0	249
Net income	$561,000	6,841
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-78,000	12,132
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$563,680	6,861
1993-12-31 (YTD Data)		Rank
Total interest income	$2,904,000	8,496
Total interest expense	$1,188,000	8,301
Net interest income	$1,716,000	8,451
Provision for loan and lease losses	$271,000	3,222
Total noninterest income	$584,000	5,047
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$376,000	3,642
Trading account gains and fees	NA	NA
Additional Noninterest Income	$208,000	5,546
Total noninterest expense	$1,585,000	7,543
Salaries and employee benefits	$580,000	8,980
Premises and equipment expense	$266,000	6,397
Additional noninterest expense	$739,000	6,298
Pre-tax net operating income	$444,000	9,070
Securities gains (losses)	$0	7,477
Applicable income taxes	$116,000	9,390
Income before extraordinary items	$328,000	9,146
Extraordinary gains, net	$0	3,149
Net income	$328,000	9,314
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$423,000	1,988
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$328,000	8,887
1992-12-31 (YTD Data)		Rank
Total interest income	$2,651,000	9,628
Total interest expense	$1,179,000	9,674
Net interest income	$1,472,000	9,368
Provision for loan and lease losses	$158,000	5,947
Total noninterest income	$446,000	6,111
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$334,000	4,095
Trading account gains and fees	NA	NA
Additional Noninterest Income	$112,000	7,695
Total noninterest expense	$1,549,000	7,741
Salaries and employee benefits	$546,000	9,306
Premises and equipment expense	$251,000	6,759
Additional noninterest expense	$752,000	6,408
Pre-tax net operating income	$211,000	10,964
Securities gains (losses)	$0	8,369
Applicable income taxes	$11,000	12,338
Income before extraordinary items	$200,000	10,604
Extraordinary gains, net	$0	1,422
Net income	$200,000	10,731
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$80,000	6,447
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$200,000	10,263

* 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.