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SierraWest Bank, Income and Expense

1998-12-31 (YTD Data)		Rank
Total interest income	$64,922,000	563
Total interest expense	$25,774,000	651
Net interest income	$39,148,000	493
Provision for loan and lease losses	$2,370,000	515
Total noninterest income	$13,693,000	494
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$3,307,000	394
Trading account gains and fees	$0	224
Additional Noninterest Income	$10,386,000	431
Total noninterest expense	$37,033,000	447
Salaries and employee benefits	$20,571,000	365
Premises and equipment expense	$5,506,000	409
Additional noninterest expense	$10,956,000	556
Pre-tax net operating income	$13,438,000	615
Securities gains (losses)	$326,000	706
Applicable income taxes	$5,852,000	507
Income before extraordinary items	$7,912,000	718
Extraordinary gains, net	$0	32
Net income	$7,912,000	718
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,552,000	546
Cash dividends	$2,014,000	1,309
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$7,703,360	716
1997-12-31 (YTD Data)		Rank
Total interest income	$44,261,000	777
Total interest expense	$17,099,000	956
Net interest income	$27,162,000	667
Provision for loan and lease losses	$2,480,000	494
Total noninterest income	$11,718,000	508
Gross Fiduciary activities income	$0	1,450
Service charges on deposit accounts	$2,223,000	585
Trading account gains and fees	$0	239
Additional Noninterest Income	$9,495,000	425
Total noninterest expense	$23,980,000	626
Salaries and employee benefits	$13,266,000	514
Premises and equipment expense	$3,915,000	543
Additional noninterest expense	$6,798,000	773
Pre-tax net operating income	$12,420,000	673
Securities gains (losses)	$8,000	2,485
Applicable income taxes	$4,753,000	627
Income before extraordinary items	$7,675,000	736
Extraordinary gains, net	$0	44
Net income	$7,675,000	737
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,241,000	687
Cash dividends	$2,154,000	1,228
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$7,669,880	719
1996-12-31 (YTD Data)		Rank
Total interest income	$32,752,000	1,057
Total interest expense	$12,015,000	1,344
Net interest income	$20,737,000	899
Provision for loan and lease losses	$1,010,000	1,011
Total noninterest income	$10,786,000	559
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$1,639,000	811
Trading account gains and fees	$0	262
Additional Noninterest Income	$9,147,000	452
Total noninterest expense	$22,754,000	711
Salaries and employee benefits	$10,426,000	672
Premises and equipment expense	$2,981,000	742
Additional noninterest expense	$9,347,000	709
Pre-tax net operating income	$7,759,000	980
Securities gains (losses)	$-8,000	10,177
Applicable income taxes	$2,993,000	874
Income before extraordinary items	$4,758,000	1,086
Extraordinary gains, net	$0	53
Net income	$4,758,000	1,087
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$309,000	2,036
Cash dividends	$1,000,000	2,117
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$4,763,120	1,065
1995-12-31 (YTD Data)		Rank
Total interest income	$19,421,000	1,747
Total interest expense	$6,592,000	2,357
Net interest income	$12,829,000	1,400
Provision for loan and lease losses	$810,000	1,108
Total noninterest income	$11,828,000	540
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$1,118,000	1,197
Trading account gains and fees	$0	522
Additional Noninterest Income	$10,710,000	411
Total noninterest expense	$18,175,000	859
Salaries and employee benefits	$7,215,000	944
Premises and equipment expense	$2,588,000	850
Additional noninterest expense	$8,372,000	772
Pre-tax net operating income	$5,672,000	1,350
Securities gains (losses)	$-13,000	10,273
Applicable income taxes	$2,292,000	1,116
Income before extraordinary items	$3,367,000	1,520
Extraordinary gains, net	$0	65
Net income	$3,367,000	1,518
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$690,000	1,122
Cash dividends	$300,000	4,483
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$3,375,320	1,494
1994-12-31 (YTD Data)		Rank
Total interest income	$14,315,000	2,139
Total interest expense	$4,195,000	2,916
Net interest income	$10,120,000	1,784
Provision for loan and lease losses	$480,000	1,589
Total noninterest income	$12,450,000	506
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$1,063,000	1,254
Trading account gains and fees	$0	475
Additional Noninterest Income	$11,387,000	384
Total noninterest expense	$16,033,000	962
Salaries and employee benefits	$7,242,000	941
Premises and equipment expense	$2,267,000	940
Additional noninterest expense	$6,524,000	947
Pre-tax net operating income	$6,057,000	1,234
Securities gains (losses)	$-1,000	8,790
Applicable income taxes	$2,449,000	1,021
Income before extraordinary items	$3,607,000	1,384
Extraordinary gains, net	$475,000	23
Net income	$4,082,000	1,232
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$430,000	1,511
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$3,607,640	1,400
1993-12-31 (YTD Data)		Rank
Total interest income	$11,920,000	2,587
Total interest expense	$3,573,000	3,514
Net interest income	$8,347,000	2,162
Provision for loan and lease losses	$944,000	1,360
Total noninterest income	$14,222,000	477
Gross Fiduciary activities income	$0	1,630
Service charges on deposit accounts	$1,160,000	1,152
Trading account gains and fees	$0	532
Additional Noninterest Income	$13,062,000	371
Total noninterest expense	$15,675,000	1,011
Salaries and employee benefits	$6,788,000	1,006
Premises and equipment expense	$2,283,000	967
Additional noninterest expense	$6,604,000	1,024
Pre-tax net operating income	$5,950,000	1,169
Securities gains (losses)	$0	7,477
Applicable income taxes	$2,408,000	1,044
Income before extraordinary items	$3,542,000	1,439
Extraordinary gains, net	$-8,000	12,278
Net income	$3,534,000	1,483
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$556,000	1,656
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$3,542,000	1,351
1992-12-31 (YTD Data)		Rank
Total interest income	$12,575,000	2,793
Total interest expense	$5,888,000	2,832
Net interest income	$6,687,000	2,732
Provision for loan and lease losses	$580,000	2,690
Total noninterest income	$9,238,000	628
Gross Fiduciary activities income	$0	1,658
Service charges on deposit accounts	$1,099,000	1,210
Trading account gains and fees	$0	504
Additional Noninterest Income	$8,139,000	488
Total noninterest expense	$13,312,000	1,194
Salaries and employee benefits	$6,167,000	1,090
Premises and equipment expense	$2,075,000	1,084
Additional noninterest expense	$5,070,000	1,302
Pre-tax net operating income	$2,033,000	3,059
Securities gains (losses)	$304,000	1,528
Applicable income taxes	$811,000	2,583
Income before extraordinary items	$1,526,000	3,031
Extraordinary gains, net	$0	1,422
Net income	$1,526,000	3,064
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$709,000	1,956
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$1,328,400	3,206

* 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.