NORTHERN EMPIRE BANCSHARES
10-Q, EX-27, 2000-08-10
NATIONAL COMMERCIAL BANKS
Previous: NORTHERN EMPIRE BANCSHARES, 10-Q, 2000-08-10
Next: FECHTOR DETWILER MITCHELL & CO, 4, 2000-08-10



<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                           13222
<INT-BEARING-DEPOSITS>                             693
<FED-FUNDS-SOLD>                                 28861
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                            3000
<INVESTMENTS-MARKET>                              2982
<LOANS>                                         397127
<ALLOWANCE>                                       4237
<TOTAL-ASSETS>                                  448003
<DEPOSITS>                                      411261
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                               2539
<LONG-TERM>                                       1839
                                0
                                          0
<COMMON>                                         18262
<OTHER-SE>                                       14102
<TOTAL-LIABILITIES-AND-EQUITY>                  448003
<INTEREST-LOAN>                                  17194
<INTEREST-INVEST>                                  127
<INTEREST-OTHER>                                   929
<INTEREST-TOTAL>                                 18250
<INTEREST-DEPOSIT>                                8543
<INTEREST-EXPENSE>                                8709
<INTEREST-INCOME-NET>                             9541
<LOAN-LOSSES>                                      480
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                   4567
<INCOME-PRETAX>                                   5292
<INCOME-PRE-EXTRAORDINARY>                        2159
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      3133
<EPS-BASIC>                                        .83
<EPS-DILUTED>                                      .82
<YIELD-ACTUAL>                                    8.98
<LOANS-NON>                                       1474
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                  3787
<CHARGE-OFFS>                                       30
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                 4237
<ALLOWANCE-DOMESTIC>                              4237
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            436


</TABLE>


© 2022 IncJournal is not affiliated with or endorsed by the U.S. Securities and Exchange Commission