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West Central Bank, Income and Expense

1999-12-31 (YTD Data)		Rank
Total interest income	$3,233,000	7,121
Total interest expense	$1,385,000	7,223
Net interest income	$1,848,000	6,916
Provision for loan and lease losses	$98,000	5,306
Total noninterest income	$257,000	6,875
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$143,000	5,962
Trading account gains and fees	NA	NA
Additional Noninterest Income	$114,000	6,314
Total noninterest expense	$1,204,000	7,558
Salaries and employee benefits	$664,000	7,426
Premises and equipment expense	$186,000	7,034
Additional noninterest expense	$354,000	7,667
Pre-tax net operating income	$803,000	5,918
Securities gains (losses)	$4,000	2,267
Applicable income taxes	$78,000	7,215
Income before extraordinary items	$729,000	5,355
Extraordinary gains, net	$0	35
Net income	$729,000	5,353
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	9,010
Cash dividends	$496,000	3,565
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$725,400	5,334
1998-12-31 (YTD Data)		Rank
Total interest income	$2,940,000	7,605
Total interest expense	$1,307,000	7,652
Net interest income	$1,633,000	7,405
Provision for loan and lease losses	$98,000	5,179
Total noninterest income	$339,000	6,113
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$129,000	6,296
Trading account gains and fees	NA	NA
Additional Noninterest Income	$210,000	4,842
Total noninterest expense	$1,171,000	7,620
Salaries and employee benefits	$657,000	7,437
Premises and equipment expense	$189,000	6,883
Additional noninterest expense	$325,000	7,888
Pre-tax net operating income	$703,000	6,463
Securities gains (losses)	$0	4,449
Applicable income taxes	$66,000	8,056
Income before extraordinary items	$637,000	5,877
Extraordinary gains, net	$0	32
Net income	$637,000	5,876
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	6,737
Cash dividends	$324,000	4,396
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$637,000	5,767
1997-12-31 (YTD Data)		Rank
Total interest income	$2,573,000	8,292
Total interest expense	$1,101,000	8,403
Net interest income	$1,472,000	8,044
Provision for loan and lease losses	$144,000	4,243
Total noninterest income	$197,000	7,877
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$121,000	6,738
Trading account gains and fees	NA	NA
Additional Noninterest Income	$76,000	7,510
Total noninterest expense	$1,104,000	7,990
Salaries and employee benefits	$601,000	7,907
Premises and equipment expense	$189,000	7,042
Additional noninterest expense	$314,000	8,183
Pre-tax net operating income	$421,000	8,330
Securities gains (losses)	$0	3,944
Applicable income taxes	$64,000	9,013
Income before extraordinary items	$357,000	7,936
Extraordinary gains, net	$0	44
Net income	$357,000	7,940
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$89,000	4,041
Cash dividends	$300,000	4,516
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$357,000	7,880
1996-12-31 (YTD Data)		Rank
Total interest income	$2,236,000	9,044
Total interest expense	$1,017,000	8,947
Net interest income	$1,219,000	8,991
Provision for loan and lease losses	$41,000	6,948
Total noninterest income	$322,000	6,693
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$116,000	7,151
Trading account gains and fees	NA	NA
Additional Noninterest Income	$206,000	5,078
Total noninterest expense	$971,000	8,767
Salaries and employee benefits	$528,000	8,662
Premises and equipment expense	$125,000	8,668
Additional noninterest expense	$318,000	8,690
Pre-tax net operating income	$529,000	7,780
Securities gains (losses)	$9,000	2,573
Applicable income taxes	$214,000	6,916
Income before extraordinary items	$324,000	8,222
Extraordinary gains, net	$0	53
Net income	$324,000	8,221
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	7,912
Cash dividends	$75,000	7,116
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$318,240	8,205
1995-12-31 (YTD Data)		Rank
Total interest income	$706,000	11,626
Total interest expense	$367,000	11,424
Net interest income	$339,000	11,711
Provision for loan and lease losses	$0	8,958
Total noninterest income	$59,000	11,185
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$33,000	9,718
Trading account gains and fees	NA	NA
Additional Noninterest Income	$26,000	10,525
Total noninterest expense	$285,000	11,747
Salaries and employee benefits	$136,000	11,781
Premises and equipment expense	$44,000	11,264
Additional noninterest expense	$105,000	11,565
Pre-tax net operating income	$113,000	11,010
Securities gains (losses)	$13,000	2,193
Applicable income taxes	$50,000	10,190
Income before extraordinary items	$76,000	11,130
Extraordinary gains, net	$0	65
Net income	$76,000	11,127
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	7,475
Cash dividends	$22,000	8,348
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$67,680	11,161
1994-12-31 (YTD Data)		Rank
Total interest income	$381,000	12,485
Total interest expense	$142,000	12,455
Net interest income	$239,000	12,473
Provision for loan and lease losses	$3,000	8,961
Total noninterest income	$27,000	12,310
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$21,000	10,526
Trading account gains and fees	NA	NA
Additional Noninterest Income	$6,000	12,297
Total noninterest expense	$181,000	12,533
Salaries and employee benefits	$97,000	12,517
Premises and equipment expense	$27,000	12,284
Additional noninterest expense	$57,000	12,525
Pre-tax net operating income	$82,000	11,743
Securities gains (losses)	$-5,000	9,408
Applicable income taxes	$32,000	10,876
Income before extraordinary items	$45,000	11,840
Extraordinary gains, net	$0	249
Net income	$45,000	11,843
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	7,455
Cash dividends	$40,000	8,160
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$48,200	11,852
1993-12-31 (YTD Data)		Rank
Total interest income	$436,000	13,102
Total interest expense	$159,000	13,096
Net interest income	$277,000	13,041
Provision for loan and lease losses	$28,000	8,567
Total noninterest income	$22,000	13,045
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$17,000	11,075
Trading account gains and fees	NA	NA
Additional Noninterest Income	$5,000	13,037
Total noninterest expense	$202,000	13,174
Salaries and employee benefits	$95,000	13,181
Premises and equipment expense	$30,000	12,856
Additional noninterest expense	$77,000	13,100
Pre-tax net operating income	$69,000	12,062
Securities gains (losses)	$25,000	4,353
Applicable income taxes	$42,000	11,116
Income before extraordinary items	$52,000	12,234
Extraordinary gains, net	$0	3,149
Net income	$52,000	12,260
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$32,000	6,927
Cash dividends	$30,000	8,419
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$36,000	12,203
1992-12-31 (YTD Data)		Rank
Total interest income	$483,000	13,715
Total interest expense	$214,000	13,687
Net interest income	$269,000	13,676
Provision for loan and lease losses	$17,000	10,772
Total noninterest income	$32,000	13,507
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$21,000	11,340
Trading account gains and fees	NA	NA
Additional Noninterest Income	$11,000	13,290
Total noninterest expense	$193,000	13,807
Salaries and employee benefits	$87,000	13,823
Premises and equipment expense	$24,000	13,574
Additional noninterest expense	$82,000	13,673
Pre-tax net operating income	$91,000	12,109
Securities gains (losses)	$0	8,369
Applicable income taxes	$27,000	11,890
Income before extraordinary items	$64,000	12,420
Extraordinary gains, net	$0	1,422
Net income	$64,000	12,437
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$21,000	9,043
Cash dividends	$30,000	8,198
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$64,000	12,133

* 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.