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<br />l.~
<br />FREMONT NATIONAL BANK
<br />STATEtvtENTS OF INCOME
<br />FOR THE y"EARS ENDED DECEMBER 31, 2000 AND 1999
<br />2000
<br />Interest. income:
<br />Interest and fees on loans
<br />Securities available for sale
<br />Securities held to maturity
<br />Federal funds sold
<br />tnterc~st bearing deposits
<br />Total interest income
<br />Interest expense
<br />Deposits
<br />Securities sold under repurchase agreements
<br />Total interest expense
<br />Net interest income
<br />Provision for loan losses
<br />Provision for loan loss (change in estimate)
<br />Ne[ interest income after provision for loan losses
<br />Non-mlerest income:
<br />Service charges on deposit accounts
<br />Other service charges and fees
<br />Gain {loss) on maturities of securities
<br />Gain (loss) on sale of Foreclosed assets
<br />Other operating income
<br />Total Non-Interest Income
<br />Other expense:
<br />Salaries and employee benefits
<br />Net occupancy expense
<br />Net equipment expense
<br />Other operating expense
<br />Loss on disposal of assets
<br />Total Other Expense
<br />Income before taxes
<br />Income taxes
<br />NET iTICOME
<br />Earnings per common share
<br />$ 6,322,635
<br />1,637,422
<br />536,088
<br />353,485
<br />4.o9s
<br />$ 8,853.725
<br />$ 3,252,317
<br />8.3 I s
<br />$ 3,260.632
<br />$ 5,593,093
<br />145,000
<br />$ 5,448,093
<br />$ 178,521
<br />268,039
<br />(186)
<br />472, s I 0
<br />86.622
<br />$ 1,005.506
<br />$ 1,853,709
<br />286,297
<br />596,888
<br />838,096
<br />$ 3,574,990
<br />$ x,878,609
<br />848,479
<br />$_2.030.130
<br />$ 101 51
<br />1999
<br />$ 5,993,873
<br />I ,572,285
<br />420,297
<br />293,983
<br />3.641
<br />$ 8,284.079
<br />$ 2,852,731
<br />39,673
<br />$ 2.892.404
<br />$ 5,391,67s
<br />0
<br />! 1,000.000 )
<br />$ 6,391,675
<br />$ t79,1G8
<br />247,052
<br />0
<br />(14,815)
<br />68.597
<br />$ 480 002
<br />$ 2,030,347
<br />362,498
<br />597,532
<br />857,620
<br />13,034
<br />$ 3,861,031
<br />$ 3,010,646
<br />991 386
<br />$ 2.U 19.260
<br />$ 100.96
<br />The accompanying notes are an integral part of these financial statements.
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