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Johnson Bank Hayward, Income and Expense

2001-12-31 (YTD Data)		Rank
Total interest income	$7,488,000	4,234
Total interest expense	$4,066,000	3,750
Net interest income	$3,422,000	4,631
Provision for loan and lease losses	$370,000	2,780
Total noninterest income	$1,609,000	2,371
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$290,000	4,241
Trading account gains and fees	$0	177
Additional Noninterest Income	$1,319,000	1,692
Total noninterest expense	$4,150,000	3,318
Salaries and employee benefits	$2,438,000	3,011
Premises and equipment expense	$342,000	5,109
Additional noninterest expense	$1,370,000	3,116
Pre-tax net operating income	$511,000	6,500
Securities gains (losses)	$1,000	4,410
Applicable income taxes	$61,000	6,524
Income before extraordinary items	$451,000	6,302
Extraordinary gains, net	$0	105
Net income	$451,000	6,304
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$25,000	6,057
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$450,120	6,190
2000-12-31 (YTD Data)		Rank
Total interest income	$6,940,000	4,614
Total interest expense	$3,984,000	3,993
Net interest income	$2,956,000	5,207
Provision for loan and lease losses	$120,000	4,828
Total noninterest income	$829,000	3,575
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$234,000	4,694
Trading account gains and fees	NA	NA
Additional Noninterest Income	$595,000	2,646
Total noninterest expense	$2,944,000	4,297
Salaries and employee benefits	$1,502,000	4,354
Premises and equipment expense	$399,000	4,519
Additional noninterest expense	$1,043,000	3,866
Pre-tax net operating income	$721,000	6,150
Securities gains (losses)	$0	1,956
Applicable income taxes	$151,000	5,902
Income before extraordinary items	$570,000	5,989
Extraordinary gains, net	$0	38
Net income	$570,000	5,987
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$44,000	4,965
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$570,000	5,994
1999-12-31 (YTD Data)		Rank
Total interest income	$5,481,000	5,249
Total interest expense	$2,809,000	4,843
Net interest income	$2,672,000	5,572
Provision for loan and lease losses	$149,000	4,305
Total noninterest income	$878,000	3,398
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$206,000	5,045
Trading account gains and fees	NA	NA
Additional Noninterest Income	$672,000	2,446
Total noninterest expense	$2,702,000	4,591
Salaries and employee benefits	$1,410,000	4,561
Premises and equipment expense	$340,000	5,069
Additional noninterest expense	$952,000	4,173
Pre-tax net operating income	$699,000	6,319
Securities gains (losses)	$1,000	2,805
Applicable income taxes	$170,000	6,037
Income before extraordinary items	$530,000	6,251
Extraordinary gains, net	$0	35
Net income	$530,000	6,249
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	6,500
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$529,240	6,240
1998-12-31 (YTD Data)		Rank
Total interest income	$4,581,000	5,987
Total interest expense	$2,460,000	5,422
Net interest income	$2,121,000	6,451
Provision for loan and lease losses	$82,000	5,540
Total noninterest income	$977,000	3,136
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$192,000	5,258
Trading account gains and fees	NA	NA
Additional Noninterest Income	$785,000	2,204
Total noninterest expense	$2,319,000	5,028
Salaries and employee benefits	$1,293,000	4,784
Premises and equipment expense	$257,000	5,860
Additional noninterest expense	$769,000	4,808
Pre-tax net operating income	$697,000	6,491
Securities gains (losses)	$1,000	4,151
Applicable income taxes	$195,000	6,252
Income before extraordinary items	$503,000	6,595
Extraordinary gains, net	$0	32
Net income	$503,000	6,594
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	7,392
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$502,280	6,477
1997-12-31 (YTD Data)		Rank
Total interest income	$3,618,000	7,040
Total interest expense	$1,876,000	6,516
Net interest income	$1,742,000	7,449
Provision for loan and lease losses	$30,000	7,369
Total noninterest income	$517,000	4,900
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$209,000	5,218
Trading account gains and fees	NA	NA
Additional Noninterest Income	$308,000	3,860
Total noninterest expense	$1,738,000	6,206
Salaries and employee benefits	$832,000	6,619
Premises and equipment expense	$251,000	6,044
Additional noninterest expense	$655,000	5,475
Pre-tax net operating income	$491,000	7,971
Securities gains (losses)	$1,000	3,559
Applicable income taxes	$109,000	8,258
Income before extraordinary items	$383,000	7,753
Extraordinary gains, net	$0	44
Net income	$383,000	7,756
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,000	6,572
Cash dividends	$300,000	4,516
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$382,220	7,708
1996-12-31 (YTD Data)		Rank
Total interest income	$3,222,000	7,701
Total interest expense	$1,676,000	7,145
Net interest income	$1,546,000	8,153
Provision for loan and lease losses	$42,000	6,906
Total noninterest income	$244,000	7,670
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$177,000	5,974
Trading account gains and fees	NA	NA
Additional Noninterest Income	$67,000	8,207
Total noninterest expense	$1,249,000	7,834
Salaries and employee benefits	$549,000	8,499
Premises and equipment expense	$184,000	7,341
Additional noninterest expense	$516,000	6,931
Pre-tax net operating income	$499,000	7,945
Securities gains (losses)	$1,000	3,760
Applicable income taxes	$101,000	8,731
Income before extraordinary items	$399,000	7,629
Extraordinary gains, net	$0	53
Net income	$399,000	7,629
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-89,000	11,192
Cash dividends	$450,000	3,623
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$398,200	7,572
1995-12-31 (YTD Data)		Rank
Total interest income	$3,102,000	8,061
Total interest expense	$1,630,000	7,326
Net interest income	$1,472,000	8,616
Provision for loan and lease losses	$120,000	4,090
Total noninterest income	$265,000	7,506
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$175,000	6,168
Trading account gains and fees	NA	NA
Additional Noninterest Income	$90,000	7,568
Total noninterest expense	$1,187,000	8,253
Salaries and employee benefits	$464,000	9,414
Premises and equipment expense	$142,000	8,472
Additional noninterest expense	$581,000	6,657
Pre-tax net operating income	$430,000	8,871
Securities gains (losses)	$5,000	2,809
Applicable income taxes	$63,000	9,922
Income before extraordinary items	$372,000	8,302
Extraordinary gains, net	$0	65
Net income	$372,000	8,304
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	7,103
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$367,700	8,317
1994-12-31 (YTD Data)		Rank
Total interest income	$2,674,000	8,608
Total interest expense	$1,309,000	7,521
Net interest income	$1,365,000	9,261
Provision for loan and lease losses	$120,000	4,039
Total noninterest income	$250,000	7,945
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$160,000	6,663
Trading account gains and fees	NA	NA
Additional Noninterest Income	$90,000	7,838
Total noninterest expense	$1,093,000	9,012
Salaries and employee benefits	$436,000	9,952
Premises and equipment expense	$138,000	8,875
Additional noninterest expense	$519,000	7,674
Pre-tax net operating income	$402,000	9,348
Securities gains (losses)	$1,000	3,293
Applicable income taxes	$48,000	10,520
Income before extraordinary items	$355,000	8,595
Extraordinary gains, net	$0	249
Net income	$355,000	8,603
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$46,000	5,275
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$354,120	8,660
1993-12-31 (YTD Data)		Rank
Total interest income	$2,570,000	9,059
Total interest expense	$1,345,000	7,720
Net interest income	$1,225,000	9,986
Provision for loan and lease losses	$155,000	4,559
Total noninterest income	$242,000	8,491
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$146,000	7,195
Trading account gains and fees	NA	NA
Additional Noninterest Income	$96,000	8,002
Total noninterest expense	$976,000	9,839
Salaries and employee benefits	$372,000	10,914
Premises and equipment expense	$119,000	9,813
Additional noninterest expense	$485,000	8,376
Pre-tax net operating income	$336,000	9,932
Securities gains (losses)	$21,000	4,601
Applicable income taxes	$58,000	10,749
Income before extraordinary items	$299,000	9,493
Extraordinary gains, net	$0	3,149
Net income	$299,000	9,651
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$183,000	3,289
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$281,360	9,414
1992-12-31 (YTD Data)		Rank
Total interest income	$2,602,000	9,723
Total interest expense	$1,480,000	8,569
Net interest income	$1,122,000	10,624
Provision for loan and lease losses	$131,000	6,478
Total noninterest income	$179,000	9,849
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$128,000	7,737
Trading account gains and fees	NA	NA
Additional Noninterest Income	$51,000	10,352
Total noninterest expense	$888,000	10,564
Salaries and employee benefits	$326,000	11,716
Premises and equipment expense	$114,000	10,256
Additional noninterest expense	$448,000	8,986
Pre-tax net operating income	$282,000	10,311
Securities gains (losses)	$51,000	4,091
Applicable income taxes	$56,000	11,086
Income before extraordinary items	$277,000	9,589
Extraordinary gains, net	$0	1,422
Net income	$277,000	9,726
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$64,000	6,983
Cash dividends	$100,000	6,542
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$234,670	9,761

* 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.