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ADD to BW0279, CA-FOOTHILL-IND-BANCORP.


ADD to BW0279 (CA-FOOTHILL-IND-BANCORP) after last graph graph, figure that shows relationships between quantities. The graph of a function y=f (x) is the set of points with coordinates [x, f (x)] in the xy-plane, when x and y are numbers.  of the text after the forward-looking statements forward-looking statement

A projected financial statement based on management expectations. A forward-looking statement involves risks with regard to the accuracy of assumptions underlying the projections.
.
                      Foothill Independent Bancorp
         (Dollars in Thousands, Except for Per Share Amounts)
                              Unaudited

                            Quarter Ended           Years Ended
                             September 30,         September 30,
                         1999  1998  % Change    1999  1998  % Change

Earnings Summary:
 Net Interest Income   $6,739 $6,864  -1.8%     $20,223 $19,494   3.7%
 Provision for possible
  loan losses             205    200   2.5%         485     575 -15.7%
 Non-interest income    1,125  1,392 -19.2%       3,463   3,819  -9.3%
 Non-interest expenses  5,092  5,807 -12.3%      15,807  16,947  -6.7%
 Net Income            $1,630 $1,422  14.6%     $ 4,695 $ 3,660  28.3%

Common Stock Data:
 Net income per share
  -- basic              $0.28  $0.24  16.7%       $0.79   $0.62  27.4%
 Net income per share
  -- diluted            $0.26  $0.23  13.0%       $0.75   $0.58  29.3%
 Book value per share   $8.29  $7.90   4.9%       $8.29   $7.90   4.9%
 Fully diluted shares
  outstanding       6,221,570 6,375,029       6,271,071 6,352,260
 End of period shares
  outstanding       5,836,734 5,985,699       5,836,734 5,985,699

Balance Sheet Summary -- End of Period
 Total assets        $467,674 $466,099 0.3%    $467,674  $466,099 0.3%
 Total loans &
  leases, net         308,257  298,136 3.4%     308,257   298,136 3.4%
 Allowance for
  loan losses           6,111    5,334 14.6%      6,111    5,334 14.6%
 Total investment
  securities           86,536   96,413 -10.2%    86,536   96,413-10.2%
 Total deposits       415,383  415,086   0.1%   415,383  415,086  0.1%
 Stockholders' equity  48,366   47,269   2.3%    48,366   47,269  2.3%

Selected Ratios:
 Return on average
  assets              1.40%(a) 1.22%(a)         1.35%(a)  1.08%(a)
 Return on average
  stockholders'
  equity             13.51%(a)12.42%(a)        13.10%(a) 11.09%(a)
 Net interest
  margin-tax
  equivalent          6.39%(a) 6.50%(a)        6.44%(a)   6.48%(a)
 Efficiency ratio    64.76%   69.57%          66.74%     72.45%
 Allowance for
  possible loan
  losses to total
  loans               1.94%    1.76%           1.94%      1.76%
 Nonperforming loans
  to total loans      1.89%    2.21%           1.89%      2.21%
 Nonperforming assets
  to total assets     1.64%    2.13%           1.64%      2.13%
 Net charge-offs to
  average loans, net of
  unearned income     0.06%(a) 0.07%(a)       -0.02%(a)   0.14%(a)


(a) ratios annualized
COPYRIGHT 1999 Business Wire
No portion of this article can be reproduced without the express written permission from the copyright holder.
Copyright 1999, Gale Group. All rights reserved. Gale Group is a Thomson Corporation Company.

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Publication:Business Wire
Date:Oct 12, 1999
Words:419
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