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CHARTER WEST NATIONAL BANK, Income and Expense

1999-12-31 (YTD Data)		Rank
Total interest income	$1,475,000	9,105
Total interest expense	$627,000	9,147
Net interest income	$848,000	8,959
Provision for loan and lease losses	$12,000	7,978
Total noninterest income	$129,000	8,405
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$110,000	6,532
Trading account gains and fees	NA	NA
Additional Noninterest Income	$19,000	9,296
Total noninterest expense	$612,000	9,286
Salaries and employee benefits	$391,000	8,936
Premises and equipment expense	$41,000	9,812
Additional noninterest expense	$180,000	9,231
Pre-tax net operating income	$353,000	7,820
Securities gains (losses)	$0	3,155
Applicable income taxes	$108,000	6,819
Income before extraordinary items	$245,000	7,964
Extraordinary gains, net	$0	35
Net income	$245,000	7,962
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	7,085
Cash dividends	$1,100,000	2,102
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$245,000	7,939
1998-12-31 (YTD Data)		Rank
Total interest income	$1,454,000	9,343
Total interest expense	$644,000	9,353
Net interest income	$810,000	9,220
Provision for loan and lease losses	$6,000	8,399
Total noninterest income	$118,000	8,721
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$105,000	6,766
Trading account gains and fees	NA	NA
Additional Noninterest Income	$13,000	9,838
Total noninterest expense	$530,000	9,675
Salaries and employee benefits	$371,000	9,146
Premises and equipment expense	$57,000	9,657
Additional noninterest expense	$102,000	10,118
Pre-tax net operating income	$392,000	7,924
Securities gains (losses)	$-1,000	9,769
Applicable income taxes	$90,000	7,687
Income before extraordinary items	$301,000	7,882
Extraordinary gains, net	$0	32
Net income	$301,000	7,880
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	7,720
Cash dividends	$205,000	5,294
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$301,770	7,793
1997-12-31 (YTD Data)		Rank
Total interest income	$1,449,000	9,743
Total interest expense	$661,000	9,650
Net interest income	$788,000	9,706
Provision for loan and lease losses	$12,000	8,256
Total noninterest income	$111,000	9,210
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$104,000	7,108
Trading account gains and fees	NA	NA
Additional Noninterest Income	$7,000	10,577
Total noninterest expense	$479,000	10,197
Salaries and employee benefits	$322,000	9,798
Premises and equipment expense	$47,000	10,270
Additional noninterest expense	$110,000	10,443
Pre-tax net operating income	$408,000	8,404
Securities gains (losses)	$0	3,944
Applicable income taxes	$89,000	8,585
Income before extraordinary items	$319,000	8,233
Extraordinary gains, net	$0	44
Net income	$319,000	8,235
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	8,093
Cash dividends	$410,000	3,889
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$319,000	8,192
1996-12-31 (YTD Data)		Rank
Total interest income	$1,431,000	10,211
Total interest expense	$671,000	10,057
Net interest income	$760,000	10,224
Provision for loan and lease losses	$14,000	8,292
Total noninterest income	$104,000	9,819
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$81,000	7,959
Trading account gains and fees	NA	NA
Additional Noninterest Income	$23,000	10,237
Total noninterest expense	$459,000	10,757
Salaries and employee benefits	$310,000	10,272
Premises and equipment expense	$51,000	10,608
Additional noninterest expense	$98,000	11,102
Pre-tax net operating income	$391,000	8,558
Securities gains (losses)	$0	4,148
Applicable income taxes	$81,000	9,119
Income before extraordinary items	$310,000	8,337
Extraordinary gains, net	$0	53
Net income	$310,000	8,334
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	7,500
Cash dividends	$200,000	5,388
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$310,000	8,279
1995-12-31 (YTD Data)		Rank
Total interest income	$1,348,000	10,759
Total interest expense	$561,000	10,808
Net interest income	$787,000	10,567
Provision for loan and lease losses	$10,000	8,319
Total noninterest income	$86,000	10,600
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$76,000	8,422
Trading account gains and fees	NA	NA
Additional Noninterest Income	$10,000	11,496
Total noninterest expense	$478,000	11,118
Salaries and employee benefits	$303,000	10,724
Premises and equipment expense	$55,000	10,933
Additional noninterest expense	$120,000	11,424
Pre-tax net operating income	$385,000	9,162
Securities gains (losses)	$2,000	3,270
Applicable income taxes	$78,000	9,622
Income before extraordinary items	$309,000	8,846
Extraordinary gains, net	$0	65
Net income	$309,000	8,850
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	7,576
Cash dividends	$175,000	5,792
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$307,400	8,834
1994-12-31 (YTD Data)		Rank
Total interest income	$1,225,000	11,298
Total interest expense	$432,000	11,431
Net interest income	$793,000	11,078
Provision for loan and lease losses	$2,000	9,032
Total noninterest income	$100,000	10,747
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$75,000	8,839
Trading account gains and fees	NA	NA
Additional Noninterest Income	$25,000	11,111
Total noninterest expense	$490,000	11,666
Salaries and employee benefits	$297,000	11,236
Premises and equipment expense	$55,000	11,452
Additional noninterest expense	$138,000	11,935
Pre-tax net operating income	$401,000	9,356
Securities gains (losses)	$-4,000	9,291
Applicable income taxes	$88,000	9,626
Income before extraordinary items	$309,000	9,047
Extraordinary gains, net	$0	249
Net income	$309,000	9,051
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	6,934
Cash dividends	$350,000	4,074
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$312,120	9,085
1993-12-31 (YTD Data)		Rank
Total interest income	$1,193,000	11,905
Total interest expense	$455,000	11,915
Net interest income	$738,000	11,730
Provision for loan and lease losses	$0	10,371
Total noninterest income	$104,000	11,221
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$77,000	9,110
Trading account gains and fees	NA	NA
Additional Noninterest Income	$27,000	11,511
Total noninterest expense	$455,000	12,393
Salaries and employee benefits	$266,000	12,017
Premises and equipment expense	$52,000	12,143
Additional noninterest expense	$137,000	12,574
Pre-tax net operating income	$387,000	9,510
Securities gains (losses)	$0	7,477
Applicable income taxes	$80,000	10,214
Income before extraordinary items	$307,000	9,397
Extraordinary gains, net	$0	3,149
Net income	$307,000	9,563
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	9,413
Cash dividends	$160,000	5,928
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$307,000	9,140
1992-12-31 (YTD Data)		Rank
Total interest income	$1,276,000	12,449
Total interest expense	$582,000	12,383
Net interest income	$694,000	12,339
Provision for loan and lease losses	$1,000	11,714
Total noninterest income	$79,000	12,309
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$71,000	9,522
Trading account gains and fees	NA	NA
Additional Noninterest Income	$8,000	13,487
Total noninterest expense	$443,000	12,939
Salaries and employee benefits	$264,000	12,449
Premises and equipment expense	$51,000	12,648
Additional noninterest expense	$128,000	13,232
Pre-tax net operating income	$329,000	9,882
Securities gains (losses)	$0	8,369
Applicable income taxes	$70,000	10,722
Income before extraordinary items	$259,000	9,796
Extraordinary gains, net	$0	1,422
Net income	$259,000	9,939
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-8,000	12,698
Cash dividends	$128,000	6,074
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$259,000	9,428

* 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.