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Previous: AMERICAN RIVER HOLDINGS, 8-K, EX-99.20, 2000-11-09 |
Next: AMERICAN RIVER HOLDINGS, 8-K, EX-99.22, 2000-11-09 |
EXHIBIT 99.21
NORTH COAST BANK
STATEMENT OF INCOME (UNAUDITED)
Nine Months Ended September 30,
(In thousands, except per share amounts)
2000 1999
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Interest income:
Interest and fees on loans $ 3,200 $ 2,464
Interest on investment securities:
Taxable 63 29
Exempt from Federal income taxes 6 6
Dividends 7 10
Interest on Federal funds sold 149 111
Interest on deposits in banks 42 28
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Total interest income 3,467 2,648
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Interest expense:
Deposits 1,161 859
Short-term borrowings 32 7
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Total interest expense 1,193 866
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Net interest income 2,274 1,781
Provision for loan and lease losses 100 135
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Net interest income after provision for
loan and lease losses 2,174 1,646
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Non-interest income:
Service charges 103 74
Other fees and charges 218 141
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Total non-interest income 321 215
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Other expenses:
Salaries and employee benefits 724 632
Occupancy and equipment 372 354
Merger expenses 129 --
Other 683 650
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Total other expenses 1,908 1,636
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Income before income taxes 587 226
Income taxes 238 90
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Net income $ 349 $ 136
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Basic earnings per share $ .73 $ .29
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Diluted earnings per share $ .68 $ .28
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42
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