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FirstWest Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$7,883,000	4,099
Total interest expense	$3,895,000	3,811
Net interest income	$3,988,000	4,337
Provision for loan and lease losses	$0	9,041
Total noninterest income	$507,000	5,103
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$354,000	3,716
Trading account gains and fees	$0	262
Additional Noninterest Income	$153,000	5,917
Total noninterest expense	$2,161,000	5,613
Salaries and employee benefits	$1,003,000	5,976
Premises and equipment expense	$221,000	6,672
Additional noninterest expense	$937,000	4,632
Pre-tax net operating income	$2,334,000	2,991
Securities gains (losses)	$-13,000	10,409
Applicable income taxes	$869,000	2,649
Income before extraordinary items	$1,452,000	3,297
Extraordinary gains, net	$0	53
Net income	$1,452,000	3,297
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	10,018
Cash dividends	$1,000,000	2,117
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$1,460,320	3,237
1995-12-31 (YTD Data)		Rank
Total interest income	$7,447,000	4,304
Total interest expense	$3,764,000	3,890
Net interest income	$3,683,000	4,653
Provision for loan and lease losses	$0	8,958
Total noninterest income	$400,000	5,989
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$264,000	4,757
Trading account gains and fees	$0	522
Additional Noninterest Income	$136,000	6,260
Total noninterest expense	$2,102,000	5,771
Salaries and employee benefits	$919,000	6,468
Premises and equipment expense	$240,000	6,502
Additional noninterest expense	$943,000	4,576
Pre-tax net operating income	$1,981,000	3,524
Securities gains (losses)	$0	3,831
Applicable income taxes	$691,000	3,271
Income before extraordinary items	$1,290,000	3,708
Extraordinary gains, net	$0	65
Net income	$1,290,000	3,705
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	8,320
Cash dividends	$1,000,000	2,009
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$1,290,000	3,688
1994-12-31 (YTD Data)		Rank
Total interest income	$7,017,000	4,212
Total interest expense	$3,198,000	3,738
Net interest income	$3,819,000	4,560
Provision for loan and lease losses	$0	9,146
Total noninterest income	$475,000	5,482
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$278,000	4,643
Trading account gains and fees	NA	NA
Additional Noninterest Income	$197,000	5,329
Total noninterest expense	$2,219,000	5,697
Salaries and employee benefits	$921,000	6,506
Premises and equipment expense	$254,000	6,450
Additional noninterest expense	$1,044,000	4,548
Pre-tax net operating income	$2,075,000	3,320
Securities gains (losses)	$0	3,600
Applicable income taxes	$766,000	2,878
Income before extraordinary items	$1,309,000	3,566
Extraordinary gains, net	$0	249
Net income	$1,309,000	3,574
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-72,000	12,079
Cash dividends	$1,200,000	1,639
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$1,309,000	3,608
1993-12-31 (YTD Data)		Rank
Total interest income	$7,044,000	4,287
Total interest expense	$2,980,000	4,134
Net interest income	$4,064,000	4,331
Provision for loan and lease losses	$0	10,371
Total noninterest income	$431,000	6,171
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$293,000	4,516
Trading account gains and fees	NA	NA
Additional Noninterest Income	$138,000	6,833
Total noninterest expense	$2,158,000	5,965
Salaries and employee benefits	$958,000	6,370
Premises and equipment expense	$231,000	7,075
Additional noninterest expense	$969,000	5,050
Pre-tax net operating income	$2,337,000	2,885
Securities gains (losses)	$-12,000	12,812
Applicable income taxes	$897,000	2,525
Income before extraordinary items	$1,428,000	3,391
Extraordinary gains, net	$0	3,149
Net income	$1,428,000	3,498
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$25,000	7,365
Cash dividends	$700,000	2,369
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$1,435,680	3,195
1992-12-31 (YTD Data)		Rank
Total interest income	$7,485,000	4,560
Total interest expense	$3,570,000	4,474
Net interest income	$3,915,000	4,536
Provision for loan and lease losses	$0	11,756
Total noninterest income	$500,000	5,645
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$304,000	4,388
Trading account gains and fees	NA	NA
Additional Noninterest Income	$196,000	5,740
Total noninterest expense	$2,217,000	5,878
Salaries and employee benefits	$947,000	6,350
Premises and equipment expense	$215,000	7,514
Additional noninterest expense	$1,055,000	4,840
Pre-tax net operating income	$2,198,000	2,843
Securities gains (losses)	$26,000	5,197
Applicable income taxes	$844,000	2,462
Income before extraordinary items	$1,380,000	3,327
Extraordinary gains, net	$0	1,422
Net income	$1,380,000	3,369
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$66,000	6,907
Cash dividends	$1,350,000	1,197
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$1,363,360	3,120

* 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.