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WestStar Bank, Income and Expense

2001-12-31 (YTD Data)		Rank
Total interest income	$30,092,000	1,128
Total interest expense	$13,359,000	1,209
Net interest income	$16,733,000	1,069
Provision for loan and lease losses	$200,000	4,117
Total noninterest income	$10,190,000	596
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$3,230,000	467
Trading account gains and fees	$0	177
Additional Noninterest Income	$6,960,000	518
Total noninterest expense	$19,538,000	771
Salaries and employee benefits	$7,902,000	951
Premises and equipment expense	$1,473,000	1,467
Additional noninterest expense	$10,163,000	570
Pre-tax net operating income	$7,185,000	1,038
Securities gains (losses)	$0	4,612
Applicable income taxes	$2,519,000	975
Income before extraordinary items	$4,666,000	1,167
Extraordinary gains, net	$0	105
Net income	$4,666,000	1,167
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$164,000	3,232
Cash dividends	$10,815,000	345
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$4,666,000	1,122
2000-12-31 (YTD Data)		Rank
Total interest income	$32,136,000	1,086
Total interest expense	$15,172,000	1,143
Net interest income	$16,964,000	1,035
Provision for loan and lease losses	$260,000	3,149
Total noninterest income	$8,756,000	641
Gross Fiduciary activities income	$513,000	592
Service charges on deposit accounts	$2,479,000	536
Trading account gains and fees	$0	180
Additional Noninterest Income	$5,764,000	583
Total noninterest expense	$17,643,000	823
Salaries and employee benefits	$6,946,000	1,011
Premises and equipment expense	$1,168,000	1,796
Additional noninterest expense	$9,529,000	607
Pre-tax net operating income	$7,817,000	990
Securities gains (losses)	$0	1,956
Applicable income taxes	$2,863,000	866
Income before extraordinary items	$4,954,000	1,078
Extraordinary gains, net	$0	38
Net income	$4,954,000	1,077
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-97,000	9,740
Cash dividends	$4,905,000	636
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$4,954,000	1,076
1999-12-31 (YTD Data)		Rank
Total interest income	$29,628,000	1,107
Total interest expense	$13,724,000	1,107
Net interest income	$15,904,000	1,104
Provision for loan and lease losses	$187,000	3,709
Total noninterest income	$8,256,000	688
Gross Fiduciary activities income	$394,000	707
Service charges on deposit accounts	$2,348,000	571
Trading account gains and fees	$0	173
Additional Noninterest Income	$5,514,000	613
Total noninterest expense	$17,416,000	840
Salaries and employee benefits	$6,750,000	1,024
Premises and equipment expense	$1,313,000	1,562
Additional noninterest expense	$9,353,000	638
Pre-tax net operating income	$6,557,000	1,178
Securities gains (losses)	$5,000	2,145
Applicable income taxes	$2,338,000	1,077
Income before extraordinary items	$4,224,000	1,282
Extraordinary gains, net	$0	35
Net income	$4,224,000	1,282
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$108,000	3,447
Cash dividends	$8,825,000	443
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$4,220,800	1,259
1998-12-31 (YTD Data)		Rank
Total interest income	$32,967,000	998
Total interest expense	$16,013,000	996
Net interest income	$16,954,000	994
Provision for loan and lease losses	$120,000	4,610
Total noninterest income	$7,831,000	699
Gross Fiduciary activities income	$1,580,000	363
Service charges on deposit accounts	$2,429,000	529
Trading account gains and fees	$0	224
Additional Noninterest Income	$3,822,000	778
Total noninterest expense	$17,472,000	830
Salaries and employee benefits	$7,052,000	929
Premises and equipment expense	$1,506,000	1,280
Additional noninterest expense	$8,914,000	637
Pre-tax net operating income	$7,193,000	1,053
Securities gains (losses)	$23,000	2,320
Applicable income taxes	$2,608,000	979
Income before extraordinary items	$4,608,000	1,162
Extraordinary gains, net	$0	32
Net income	$4,608,000	1,162
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$181,000	2,612
Cash dividends	$4,450,000	705
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$4,593,280	1,129
1997-12-31 (YTD Data)		Rank
Total interest income	$30,582,000	1,107
Total interest expense	$15,098,000	1,082
Net interest income	$15,484,000	1,141
Provision for loan and lease losses	$2,660,000	472
Total noninterest income	$7,194,000	721
Gross Fiduciary activities income	$2,725,000	279
Service charges on deposit accounts	$2,288,000	569
Trading account gains and fees	$0	239
Additional Noninterest Income	$2,181,000	1,035
Total noninterest expense	$15,719,000	899
Salaries and employee benefits	$7,042,000	943
Premises and equipment expense	$1,554,000	1,265
Additional noninterest expense	$7,123,000	748
Pre-tax net operating income	$4,299,000	1,777
Securities gains (losses)	$2,000	3,292
Applicable income taxes	$1,541,000	1,675
Income before extraordinary items	$2,760,000	1,913
Extraordinary gains, net	$0	44
Net income	$2,760,000	1,913
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,923,000	327
Cash dividends	$2,558,000	1,070
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$2,758,720	1,858
1996-12-31 (YTD Data)		Rank
Total interest income	$29,233,000	1,176
Total interest expense	$13,915,000	1,178
Net interest income	$15,318,000	1,179
Provision for loan and lease losses	$500,000	1,732
Total noninterest income	$6,319,000	812
Gross Fiduciary activities income	$2,600,000	309
Service charges on deposit accounts	$2,079,000	653
Trading account gains and fees	$0	262
Additional Noninterest Income	$1,640,000	1,331
Total noninterest expense	$15,106,000	1,012
Salaries and employee benefits	$7,324,000	932
Premises and equipment expense	$1,652,000	1,249
Additional noninterest expense	$6,130,000	977
Pre-tax net operating income	$6,031,000	1,200
Securities gains (losses)	$41,000	1,473
Applicable income taxes	$2,238,000	1,109
Income before extraordinary items	$3,834,000	1,297
Extraordinary gains, net	$0	53
Net income	$3,834,000	1,298
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$290,000	2,130
Cash dividends	$4,518,000	715
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$3,807,760	1,277
1995-12-31 (YTD Data)		Rank
Total interest income	$29,927,000	1,162
Total interest expense	$13,911,000	1,197
Net interest income	$16,016,000	1,150
Provision for loan and lease losses	$0	8,958
Total noninterest income	$5,397,000	911
Gross Fiduciary activities income	$2,327,000	350
Service charges on deposit accounts	$1,765,000	756
Trading account gains and fees	$0	522
Additional Noninterest Income	$1,305,000	1,503
Total noninterest expense	$14,967,000	1,009
Salaries and employee benefits	$7,299,000	936
Premises and equipment expense	$1,591,000	1,308
Additional noninterest expense	$6,077,000	964
Pre-tax net operating income	$6,446,000	1,196
Securities gains (losses)	$13,000	2,193
Applicable income taxes	$2,469,000	1,059
Income before extraordinary items	$3,990,000	1,325
Extraordinary gains, net	$0	65
Net income	$3,990,000	1,323
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$158,000	2,910
Cash dividends	$11,268,000	366
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$3,981,680	1,309
1994-12-31 (YTD Data)		Rank
Total interest income	$11,784,000	2,575
Total interest expense	$4,908,000	2,504
Net interest income	$6,876,000	2,623
Provision for loan and lease losses	$42,000	6,508
Total noninterest income	$2,506,000	1,556
Gross Fiduciary activities income	$972,000	530
Service charges on deposit accounts	$774,000	1,745
Trading account gains and fees	$0	475
Additional Noninterest Income	$760,000	2,204
Total noninterest expense	$6,522,000	2,160
Salaries and employee benefits	$2,950,000	2,264
Premises and equipment expense	$1,066,000	1,917
Additional noninterest expense	$2,506,000	2,131
Pre-tax net operating income	$2,818,000	2,512
Securities gains (losses)	$0	3,600
Applicable income taxes	$1,069,000	2,093
Income before extraordinary items	$1,749,000	2,764
Extraordinary gains, net	$0	249
Net income	$1,749,000	2,766
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-7,000	10,614
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$23,601,000	54
Net operating income	$1,749,000	2,785
1993-12-31 (YTD Data)		Rank
Total interest income	$30,251,000	1,053
Total interest expense	$11,381,000	1,194
Net interest income	$18,870,000	973
Provision for loan and lease losses	$-1,000,000	13,222
Total noninterest income	$5,793,000	884
Gross Fiduciary activities income	$2,131,000	366
Service charges on deposit accounts	$1,909,000	713
Trading account gains and fees	$0	532
Additional Noninterest Income	$1,753,000	1,379
Total noninterest expense	$16,598,000	973
Salaries and employee benefits	$8,148,000	851
Premises and equipment expense	$2,658,000	849
Additional noninterest expense	$5,792,000	1,132
Pre-tax net operating income	$9,065,000	806
Securities gains (losses)	$1,038,000	531
Applicable income taxes	$3,526,000	733
Income before extraordinary items	$6,577,000	791
Extraordinary gains, net	$0	3,149
Net income	$6,577,000	825
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-904,000	13,258
Cash dividends	$7,150,000	363
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$5,902,300	843
1992-12-31 (YTD Data)		Rank
Total interest income	$34,974,000	1,053
Total interest expense	$15,156,000	1,174
Net interest income	$19,818,000	951
Provision for loan and lease losses	$1,164,000	1,680
Total noninterest income	$6,138,000	844
Gross Fiduciary activities income	$2,014,000	382
Service charges on deposit accounts	$2,170,000	632
Trading account gains and fees	$0	504
Additional Noninterest Income	$1,954,000	1,267
Total noninterest expense	$17,710,000	935
Salaries and employee benefits	$9,125,000	751
Premises and equipment expense	$2,876,000	826
Additional noninterest expense	$5,709,000	1,175
Pre-tax net operating income	$7,083,000	919
Securities gains (losses)	$352,000	1,392
Applicable income taxes	$2,523,000	920
Income before extraordinary items	$4,911,000	970
Extraordinary gains, net	$0	1,422
Net income	$4,911,000	977
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$761,000	1,876
Cash dividends	$2,080,000	812
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$4,678,680	925

* 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.