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
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