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Sierra Bank, Income and Expense

1998-12-31 (YTD Data)		Rank
Total interest income	$8,413,000	3,755
Total interest expense	$3,800,000	3,843
Net interest income	$4,613,000	3,658
Provision for loan and lease losses	$413,000	2,019
Total noninterest income	$1,749,000	2,015
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$868,000	1,445
Trading account gains and fees	NA	NA
Additional Noninterest Income	$881,000	2,032
Total noninterest expense	$5,136,000	2,530
Salaries and employee benefits	$2,524,000	2,685
Premises and equipment expense	$807,000	2,429
Additional noninterest expense	$1,805,000	2,311
Pre-tax net operating income	$813,000	6,044
Securities gains (losses)	$14,000	2,712
Applicable income taxes	$323,000	4,972
Income before extraordinary items	$504,000	6,584
Extraordinary gains, net	$0	32
Net income	$504,000	6,584
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$394,000	1,522
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$495,040	6,523
1997-12-31 (YTD Data)		Rank
Total interest income	$8,898,000	3,612
Total interest expense	$3,923,000	3,750
Net interest income	$4,975,000	3,510
Provision for loan and lease losses	$669,000	1,373
Total noninterest income	$1,730,000	1,970
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$853,000	1,520
Trading account gains and fees	NA	NA
Additional Noninterest Income	$877,000	1,903
Total noninterest expense	$5,682,000	2,267
Salaries and employee benefits	$2,885,000	2,292
Premises and equipment expense	$1,005,000	1,963
Additional noninterest expense	$1,792,000	2,314
Pre-tax net operating income	$354,000	8,711
Securities gains (losses)	$-10,000	10,039
Applicable income taxes	$108,000	8,273
Income before extraordinary items	$236,000	8,866
Extraordinary gains, net	$0	44
Net income	$236,000	8,871
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$197,000	2,575
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$242,900	8,772
1996-12-31 (YTD Data)		Rank
Total interest income	$4,936,000	5,994
Total interest expense	$1,991,000	6,433
Net interest income	$2,945,000	5,512
Provision for loan and lease losses	$301,000	2,549
Total noninterest income	$960,000	3,230
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$321,000	4,020
Trading account gains and fees	NA	NA
Additional Noninterest Income	$639,000	2,452
Total noninterest expense	$3,569,000	3,710
Salaries and employee benefits	$1,794,000	3,684
Premises and equipment expense	$556,000	3,451
Additional noninterest expense	$1,219,000	3,731
Pre-tax net operating income	$35,000	10,661
Securities gains (losses)	$23,000	1,905
Applicable income taxes	$0	10,572
Income before extraordinary items	$58,000	10,532
Extraordinary gains, net	$0	53
Net income	$58,000	10,531
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$39,000	5,752
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$35,000	10,607
1995-12-31 (YTD Data)		Rank
Total interest income	$2,618,000	8,779
Total interest expense	$1,049,000	9,088
Net interest income	$1,569,000	8,339
Provision for loan and lease losses	$65,000	5,556
Total noninterest income	$127,000	9,711
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$106,000	7,638
Trading account gains and fees	NA	NA
Additional Noninterest Income	$21,000	10,833
Total noninterest expense	$962,000	9,108
Salaries and employee benefits	$433,000	9,667
Premises and equipment expense	$138,000	8,574
Additional noninterest expense	$391,000	8,280
Pre-tax net operating income	$669,000	7,485
Securities gains (losses)	$-1,000	9,017
Applicable income taxes	$213,000	7,202
Income before extraordinary items	$455,000	7,597
Extraordinary gains, net	$0	65
Net income	$455,000	7,596
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$32,000	5,914
Cash dividends	$166,000	5,884
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$455,680	7,567
1994-12-31 (YTD Data)		Rank
Total interest income	$2,080,000	9,652
Total interest expense	$742,000	9,869
Net interest income	$1,338,000	9,346
Provision for loan and lease losses	$39,000	6,667
Total noninterest income	$143,000	9,846
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$102,000	8,040
Trading account gains and fees	NA	NA
Additional Noninterest Income	$41,000	10,081
Total noninterest expense	$814,000	10,182
Salaries and employee benefits	$390,000	10,371
Premises and equipment expense	$112,000	9,637
Additional noninterest expense	$312,000	9,822
Pre-tax net operating income	$628,000	7,838
Securities gains (losses)	$-27,000	10,567
Applicable income taxes	$183,000	7,655
Income before extraordinary items	$418,000	8,013
Extraordinary gains, net	$0	249
Net income	$418,000	8,020
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,000	6,413
Cash dividends	$178,000	5,754
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$436,900	7,889
1993-12-31 (YTD Data)		Rank
Total interest income	$1,906,000	10,371
Total interest expense	$674,000	10,739
Net interest income	$1,232,000	9,963
Provision for loan and lease losses	$9,000	9,850
Total noninterest income	$120,000	10,833
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$93,000	8,587
Trading account gains and fees	NA	NA
Additional Noninterest Income	$27,000	11,511
Total noninterest expense	$818,000	10,580
Salaries and employee benefits	$367,000	10,976
Premises and equipment expense	$108,000	10,198
Additional noninterest expense	$343,000	9,921
Pre-tax net operating income	$525,000	8,491
Securities gains (losses)	$0	7,477
Applicable income taxes	$128,000	9,127
Income before extraordinary items	$397,000	8,467
Extraordinary gains, net	$0	3,149
Net income	$397,000	8,620
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-18,000	12,066
Cash dividends	$144,000	6,205
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$397,000	8,187
1992-12-31 (YTD Data)		Rank
Total interest income	$1,948,000	10,996
Total interest expense	$821,000	11,233
Net interest income	$1,127,000	10,599
Provision for loan and lease losses	$39,000	9,563
Total noninterest income	$111,000	11,429
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$79,000	9,202
Trading account gains and fees	NA	NA
Additional Noninterest Income	$32,000	11,632
Total noninterest expense	$793,000	11,036
Salaries and employee benefits	$321,000	11,777
Premises and equipment expense	$72,000	11,802
Additional noninterest expense	$400,000	9,571
Pre-tax net operating income	$406,000	9,185
Securities gains (losses)	$74,000	3,490
Applicable income taxes	$142,000	8,837
Income before extraordinary items	$338,000	8,843
Extraordinary gains, net	$0	1,422
Net income	$338,000	8,981
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-7,000	12,654
Cash dividends	$205,000	4,929
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$286,200	9,095

* 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.