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Previous: SJNB FINANCIAL CORP, 10-Q, EX-10.AC, 2000-11-08 |
Next: FRANKLIN TELECOMMUNICATIONS CORP, S-3/A, 2000-11-08 |
<TABLE> <S> <C>
<ARTICLE> 9
<CIK> 0000721161
<NAME> SJNB FINANCIAL CORP
<MULTIPLIER> 1,000
<CURRENCY> US DOLLARS
<S> <C>
<PERIOD-TYPE> 3-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JUL-01-2000
<PERIOD-END> SEP-30-2000
<EXCHANGE-RATE> 1,000
<CASH> 24,801
<INT-BEARING-DEPOSITS> 599
<FED-FUNDS-SOLD> 17,915
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 121,525
<INVESTMENTS-CARRYING> 19,203
<INVESTMENTS-MARKET> 18,462
<LOANS> 433,895
<ALLOWANCE> 7,169
<TOTAL-ASSETS> 649,887
<DEPOSITS> 548,639
<SHORT-TERM> 14,602
<LIABILITIES-OTHER> 7,623
<LONG-TERM> 0
0
0
<COMMON> 21,642
<OTHER-SE> 37,010
<TOTAL-LIABILITIES-AND-EQUITY> 649,887
<INTEREST-LOAN> 11,459
<INTEREST-INVEST> 2,736
<INTEREST-OTHER> 5
<INTEREST-TOTAL> 14,200
<INTEREST-DEPOSIT> 5,124
<INTEREST-EXPENSE> 5,681
<INTEREST-INCOME-NET> 8,519
<LOAN-LOSSES> 150
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 4,423
<INCOME-PRETAX> 4,529
<INCOME-PRE-EXTRAORDINARY> 4,529
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,769
<EPS-BASIC> 0.75
<EPS-DILUTED> 0.72
<YIELD-ACTUAL> 5.72
<LOANS-NON> 943
<LOANS-PAST> 9
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 6,412
<CHARGE-OFFS> 22
<RECOVERIES> 338
<ALLOWANCE-CLOSE> 7,169
<ALLOWANCE-DOMESTIC> 7,169
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 568
</TABLE>
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