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First Western Bank, Income and Expense

2001-12-31 (YTD Data)		Rank
Total interest income	$5,108,000	5,542
Total interest expense	$2,604,000	5,269
Net interest income	$2,504,000	5,712
Provision for loan and lease losses	$0	8,228
Total noninterest income	$209,000	7,223
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$179,000	5,405
Trading account gains and fees	$0	177
Additional Noninterest Income	$30,000	8,341
Total noninterest expense	$1,657,000	6,438
Salaries and employee benefits	$791,000	6,818
Premises and equipment expense	$236,000	6,262
Additional noninterest expense	$630,000	5,668
Pre-tax net operating income	$1,056,000	4,770
Securities gains (losses)	$77,000	1,979
Applicable income taxes	$-158,000	9,345
Income before extraordinary items	$1,291,000	3,599
Extraordinary gains, net	$0	105
Net income	$1,291,000	3,601
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$52,000	5,093
Cash dividends	$1,980,000	1,359
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$1,214,000	3,657
2000-12-31 (YTD Data)		Rank
Total interest income	$5,295,000	5,527
Total interest expense	$2,793,000	5,195
Net interest income	$2,502,000	5,801
Provision for loan and lease losses	$24,000	7,446
Total noninterest income	$173,000	7,567
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$140,000	5,913
Trading account gains and fees	NA	NA
Additional Noninterest Income	$33,000	8,420
Total noninterest expense	$1,550,000	6,611
Salaries and employee benefits	$775,000	6,849
Premises and equipment expense	$207,000	6,651
Additional noninterest expense	$568,000	5,972
Pre-tax net operating income	$1,101,000	4,993
Securities gains (losses)	$0	1,956
Applicable income taxes	$25,000	7,722
Income before extraordinary items	$1,076,000	4,171
Extraordinary gains, net	$0	38
Net income	$1,076,000	4,172
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-20,000	9,388
Cash dividends	$286,000	4,599
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$1,076,000	4,173
1999-12-31 (YTD Data)		Rank
Total interest income	$4,685,000	5,800
Total interest expense	$2,359,000	5,407
Net interest income	$2,326,000	6,066
Provision for loan and lease losses	$229,000	3,276
Total noninterest income	$190,000	7,612
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$161,000	5,672
Trading account gains and fees	NA	NA
Additional Noninterest Income	$29,000	8,882
Total noninterest expense	$1,330,000	7,215
Salaries and employee benefits	$620,000	7,644
Premises and equipment expense	$197,000	6,860
Additional noninterest expense	$513,000	6,418
Pre-tax net operating income	$957,000	5,431
Securities gains (losses)	$-1,000	8,592
Applicable income taxes	$24,000	8,144
Income before extraordinary items	$932,000	4,643
Extraordinary gains, net	$0	35
Net income	$932,000	4,644
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$96,000	3,651
Cash dividends	$682,000	2,942
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$932,970	4,608
1998-12-31 (YTD Data)		Rank
Total interest income	$4,415,000	6,124
Total interest expense	$2,327,000	5,624
Net interest income	$2,088,000	6,509
Provision for loan and lease losses	$12,000	8,074
Total noninterest income	$202,000	7,546
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$167,000	5,651
Trading account gains and fees	NA	NA
Additional Noninterest Income	$35,000	8,765
Total noninterest expense	$1,248,000	7,411
Salaries and employee benefits	$585,000	7,848
Premises and equipment expense	$208,000	6,589
Additional noninterest expense	$455,000	6,763
Pre-tax net operating income	$1,030,000	5,321
Securities gains (losses)	$0	4,449
Applicable income taxes	$15,000	8,979
Income before extraordinary items	$1,015,000	4,462
Extraordinary gains, net	$0	32
Net income	$1,015,000	4,461
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	7,204
Cash dividends	$974,000	2,292
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$1,015,000	4,366
1997-12-31 (YTD Data)		Rank
Total interest income	$3,992,000	6,671
Total interest expense	$2,049,000	6,172
Net interest income	$1,943,000	7,037
Provision for loan and lease losses	$60,000	6,153
Total noninterest income	$196,000	7,894
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$159,000	6,020
Trading account gains and fees	NA	NA
Additional Noninterest Income	$37,000	8,993
Total noninterest expense	$1,218,000	7,615
Salaries and employee benefits	$530,000	8,396
Premises and equipment expense	$197,000	6,903
Additional noninterest expense	$491,000	6,578
Pre-tax net operating income	$861,000	6,282
Securities gains (losses)	$-7,000	9,846
Applicable income taxes	$153,000	7,571
Income before extraordinary items	$701,000	5,903
Extraordinary gains, net	$0	44
Net income	$701,000	5,905
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	7,548
Cash dividends	$341,000	4,296
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$706,740	5,828
1996-12-31 (YTD Data)		Rank
Total interest income	$3,548,000	7,328
Total interest expense	$1,722,000	7,028
Net interest income	$1,826,000	7,504
Provision for loan and lease losses	$34,000	7,277
Total noninterest income	$221,000	7,946
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$153,000	6,416
Trading account gains and fees	NA	NA
Additional Noninterest Income	$68,000	8,163
Total noninterest expense	$1,143,000	8,187
Salaries and employee benefits	$548,000	8,510
Premises and equipment expense	$186,000	7,295
Additional noninterest expense	$409,000	7,805
Pre-tax net operating income	$870,000	6,200
Securities gains (losses)	$1,000	3,760
Applicable income taxes	$271,000	6,167
Income before extraordinary items	$600,000	6,279
Extraordinary gains, net	$0	53
Net income	$600,000	6,282
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	9,914
Cash dividends	$1,350,000	1,710
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$599,310	6,220
1995-12-31 (YTD Data)		Rank
Total interest income	$3,289,000	7,817
Total interest expense	$1,563,000	7,524
Net interest income	$1,726,000	7,944
Provision for loan and lease losses	$24,000	7,406
Total noninterest income	$167,000	9,008
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$115,000	7,426
Trading account gains and fees	NA	NA
Additional Noninterest Income	$52,000	9,130
Total noninterest expense	$1,083,000	8,645
Salaries and employee benefits	$463,000	9,426
Premises and equipment expense	$164,000	7,947
Additional noninterest expense	$456,000	7,647
Pre-tax net operating income	$786,000	6,891
Securities gains (losses)	$0	3,831
Applicable income taxes	$248,000	6,675
Income before extraordinary items	$538,000	6,977
Extraordinary gains, net	$0	65
Net income	$538,000	6,975
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	7,374
Cash dividends	$400,000	3,839
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$538,000	6,953
1994-12-31 (YTD Data)		Rank
Total interest income	$3,171,000	7,797
Total interest expense	$1,339,000	7,429
Net interest income	$1,832,000	7,960
Provision for loan and lease losses	$42,000	6,508
Total noninterest income	$166,000	9,388
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$93,000	8,278
Trading account gains and fees	NA	NA
Additional Noninterest Income	$73,000	8,528
Total noninterest expense	$1,149,000	8,816
Salaries and employee benefits	$473,000	9,629
Premises and equipment expense	$172,000	8,034
Additional noninterest expense	$504,000	7,808
Pre-tax net operating income	$807,000	6,836
Securities gains (losses)	$0	3,600
Applicable income taxes	$250,000	6,534
Income before extraordinary items	$557,000	6,853
Extraordinary gains, net	$0	249
Net income	$557,000	6,865
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	7,696
Cash dividends	$300,000	4,418
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$557,000	6,905
1993-12-31 (YTD Data)		Rank
Total interest income	$3,031,000	8,281
Total interest expense	$1,278,000	7,964
Net interest income	$1,753,000	8,355
Provision for loan and lease losses	$42,000	7,871
Total noninterest income	$145,000	10,311
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$91,000	8,658
Trading account gains and fees	NA	NA
Additional Noninterest Income	$54,000	9,868
Total noninterest expense	$1,143,000	9,140
Salaries and employee benefits	$529,000	9,389
Premises and equipment expense	$149,000	8,943
Additional noninterest expense	$465,000	8,564
Pre-tax net operating income	$713,000	7,292
Securities gains (losses)	$2,000	6,773
Applicable income taxes	$224,000	7,193
Income before extraordinary items	$491,000	7,628
Extraordinary gains, net	$0	3,149
Net income	$491,000	7,816
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$32,000	6,927
Cash dividends	$400,000	3,627
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$489,620	7,386
1992-12-31 (YTD Data)		Rank
Total interest income	$3,160,000	8,703
Total interest expense	$1,437,000	8,715
Net interest income	$1,723,000	8,585
Provision for loan and lease losses	$158,000	5,947
Total noninterest income	$148,000	10,533
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$93,000	8,723
Trading account gains and fees	NA	NA
Additional Noninterest Income	$55,000	10,088
Total noninterest expense	$1,041,000	9,798
Salaries and employee benefits	$494,000	9,840
Premises and equipment expense	$113,000	10,290
Additional noninterest expense	$434,000	9,156
Pre-tax net operating income	$672,000	7,258
Securities gains (losses)	$91,000	3,163
Applicable income taxes	$213,000	7,314
Income before extraordinary items	$550,000	6,927
Extraordinary gains, net	$0	1,422
Net income	$550,000	7,015
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,000	8,917
Cash dividends	$350,000	3,631
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$484,480	7,095

* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.