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<SEC-DOCUMENT>0000950134-05-019618.txt : 20051024
<SEC-HEADER>0000950134-05-019618.hdr.sgml : 20051024
<ACCEPTANCE-DATETIME>20051024165733
ACCESSION NUMBER:		0000950134-05-019618
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20051020
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20051024
DATE AS OF CHANGE:		20051024

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			BANCWEST CORP/HI
		CENTRAL INDEX KEY:			0000036377
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				990156159
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-14585
		FILM NUMBER:		051152580

	BUSINESS ADDRESS:	
		STREET 1:		999 BISHOP ST
		CITY:			HONOLULU
		STATE:			HI
		ZIP:			96813
		BUSINESS PHONE:		808-525-7000

	MAIL ADDRESS:	
		STREET 1:		1132 BISHOP STREET
		CITY:			HONOLULU
		STATE:			HI
		ZIP:			96813

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	FIRST HAWAIIAN INC
		DATE OF NAME CHANGE:	19920703
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>f13673e8vk.htm
<DESCRIPTION>FORM 8-K
<TEXT>
<HTML>
<HEAD>
<TITLE>e8vk</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF">
<!-- PAGEBREAK -->
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>
<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="width: 100%; border-bottom: 2pt solid black; font-size: 1pt">&nbsp;</DIV>
<DIV style="width: 100%; border-bottom: 1pt solid black; font-size: 1pt">&nbsp;</DIV>


<DIV align="center" style="font-size: 14pt; margin-top: 12pt"><B>UNITED STATES</B>
</DIV>

<DIV align="center" style="font-size: 14pt; margin-top: 6pt"><B>SECURITIES AND EXCHANGE COMMISSION</B>
</DIV>

<DIV align="center" style="font-size: 12pt; margin-top: 6pt"><B>Washington, D.C. 20549</B>
</DIV>

<DIV align="center" style="font-size: 18pt; margin-top: 12pt"><B>FORM 8-K</B>
</DIV>


<DIV align="center" style="font-size: 12pt; margin-top: 12pt"><B>CURRENT REPORT<BR>
Pursuant to Section&nbsp;13 or 15(d) of the Securities Exchange Act of 1934</B>
</DIV>


<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>Date of Report: October&nbsp;20, 2005</B>
</DIV>

<DIV align="center" style="font-size: 10pt">(Date of earliest event reported)</DIV>


<DIV align="center" style="font-size: 24pt; margin-top: 12pt"><B>BANCWEST CORPORATION</B>
</DIV>

<DIV align="center" style="font-size: 10pt">(Exact name of registrant as specified in its charter)</DIV>


<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="30%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="30%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="30%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD align="center" valign="top"><B>Delaware</B>
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><B>0-7949</B>
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><B>99-0156159</B></TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">(State or other jurisdiction<BR>
of incorporation)
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">(Commission File Number)
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">(IRS Employer<BR>
Identification No.)</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="47%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="47%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD align="center" valign="top"><B>999 Bishop Street, Honolulu, Hawaii</B>
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><B>96813</B></TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">(Address of principal executive offices)
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">(Zip Code)</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>Registrant&#146;s telephone number, including area code: (808)&nbsp;525-7000</B>
</DIV>


<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>Not Applicable</B>
</DIV>

<DIV align="center" style="font-size: 10pt">(Former name or former address, if changed since last report)</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 12pt">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the
filing obligation of the registrant under any of the following provisions (see General Instruction
A.2. below):
</DIV>


<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" nowrap align="left"><FONT style="font-family: Wingdings 2">&#163;</FONT></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Written communications pursuant to Rule&nbsp;425 under the Securities Act (17 CFR 230.425)</TD>
</TR>
<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>
<TR>
    <TD width="2%" nowrap align="left"><FONT style="font-family: Wingdings 2">&#163;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>Soliciting material pursuant to Rule&nbsp;14a-12 under the Exchange Act (17 CFR 240.14a-12)</TD>
</TR>
<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>
<TR>
    <TD width="2%" nowrap align="left"><FONT style="font-family: Wingdings 2">&#163;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>Pre-commencement communication pursuant to rule 14d-2(b) under the Exchange Act
(17 CFR 240.14d-2(b))</TD>
</TR>
<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" nowrap align="left"><FONT style="font-family: Wingdings 2">&#163;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>Pre-commencement communication pursuant to rule 13e-4(c) under the Exchange Act
(17 CFR 240.13e-4(c))</TD>
</TR>

</TABLE>
</DIV>

<DIV style="width: 100%; border-bottom: 1pt solid black; margin-top: 10pt; font-size: 1pt">&nbsp;</DIV>
<DIV style="width: 100%; border-bottom: 2pt solid black; font-size: 1pt">&nbsp;</DIV>





<P align="center" style="font-size: 10pt">&nbsp;
</DIV>

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<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">



<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>Item&nbsp;2.02&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Results of Operations and Financial Condition.</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">On October&nbsp;20, 2005, BancWest Corporation (the &#147;Company&#148;) issued a News Release for the quarter
ended September&nbsp;30, 2005. The News Release is furnished as Exhibit&nbsp;99 to this Current Report on
Form 8-K and incorporated herein by reference.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>Item&nbsp;9.01&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Financial Statements and Exhibits</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">(c)&nbsp;Exhibits.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following exhibits are furnished herewith:
</DIV>
<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="90%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD nowrap align="center" style="border-bottom: 1px solid #000000">Exhibit No.</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" style="border-bottom: 1px solid #000000">Description of Exhibit</TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">99</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">News Release dated October&nbsp;20, 2005 with respect to the Company&#146;s earnings for the quarter
ended September&nbsp;30, 2005</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<DIV align="center" style="font-size: 10pt; margin-top: 24pt"><B>SIGNATURE</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly
caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Dated: October&nbsp;21, 2005
</DIV>


<TABLE width="100%" border="0" cellspacing="0" cellpadding="0" style="font-size: 10pt">
<TR>
    <TD width="48%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="35%">&nbsp;</TD>
    <TD width="15%">&nbsp;</TD>
</TR>
<TR>
    <TD valign="top" align="left">&nbsp;</TD>
    <TD colspan="3" align="left"><B>BANCWEST CORPORATION</B><BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(Registrant)<BR>
&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">&nbsp;</TD>
    <TD valign="top">By:&nbsp;&nbsp;</TD>
    <TD colspan="2" align="left" style="border-bottom: 1px solid #000000">/s/ DOUGLAS C. GRIGSBY</TD>
    <TD>&nbsp;</TD>
</TR>
<TR>
    <TD align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left">Douglas C. Grigsby<BR>
Executive Vice President, Chief<BR>
Financial Officer and Treasurer&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

</TABLE>

<DIV style="margin-top: 36pt">&nbsp;</DIV>

<P align="center" style="font-size: 10pt">- 2 -
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<TABLE width="100%" border="0" cellspacing="0" cellpadding="0" style="font-size: 10pt">
<TR>
    <TD width="48%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="35%">&nbsp;</TD>
    <TD width="15%">&nbsp;</TD>
</TR>

</TABLE>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>EXHIBIT INDEX</B>
</DIV>

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="90%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD nowrap align="center" style="border-bottom: 1px solid #000000">Exhibit No.</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" style="border-bottom: 1px solid #000000">Exhibit</TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">99</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">News Release dated October&nbsp;20, 2005 with respect to the Company&#146;s earnings for the quarter
ended September&nbsp;30, 2005</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<DIV style="margin-top: 36pt">&nbsp;</DIV>

<P align="center" style="font-size: 10pt">- 3 -
</DIV>


</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>2
<FILENAME>f13673exv99.htm
<DESCRIPTION>EXHIBIT 99
<TEXT>
<HTML>
<HEAD>
<TITLE>exv99</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF">
<!-- PAGEBREAK -->
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>
<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV align="right" style="font-size: 10pt; margin-top: 12pt"><B>Exhibit&nbsp;99</B>
</DIV>

<IMG src="f13673f1367300.jpg" alt="BANCWEST NEWS RELEASE">



<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="40%">&nbsp;</TD>
    <TD width="20%">&nbsp;</TD>
    <TD width="40%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top">FOR IMMEDIATE RELEASE</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">CONTACT: John Stafford (415)&nbsp;765-4850</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">jstafford@bankofthewest.com</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<DIV align="center" style="font-size: 10pt; margin-top: 18pt">BANCWEST POSTS EARNINGS OF $148.6 MILLION,<BR>
UP 26.7% FROM THIRD QUARTER OF 2004
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(Honolulu and San Francisco, October&nbsp;20, 2005) &#151; BancWest Corporation, parent company of Bank
of the West and First Hawaiian Bank, today reported net income of $148.6&nbsp;million for the third
quarter of 2005, up 26.7% from the same quarter last year. For the nine months ended September&nbsp;30,
2005, BancWest&#146;s net income was $434.3&nbsp;million, up 25.9% from the same period of 2004.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#147;Bank of the West and First Hawaiian Bank both contributed to double-digit percentage loan,
deposit and revenue growth in the third quarter compared to the same quarter in 2004,&#148; said Don J.
McGrath, President and CEO of BancWest. &#147;Despite the negative effect a flattening yield curve has
had on the company&#146;s net interest margin, organic growth, plus the contribution of last year&#146;s bank
acquisitions in California, the Rockies and the Midwest, continue to drive strong year-over-year
earnings growth.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#147;We also look forward to the integration later this year of Commercial Federal Corporation,
whose branch network and presence in major Midwestern markets will deepen our position in Colorado,
Nebraska, Arizona and Iowa, while introducing our brand for the first time in many Kansas, Oklahoma
and Missouri communities.&#148;
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>BancWest Third-Quarter Results:</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Assets, loans, deposits. </B>BancWest had total assets of $54.6&nbsp;billion at September&nbsp;30, 2005, up
32.0% from a year earlier. Loans and leases totaled $35.1&nbsp;billion, up 26.2%. Deposits were $35.6
billion, up 25.3%. The increases resulted from internal growth and the acquisitions completed in
the fourth quarter of 2004.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Credit quality. </B>BancWest&#146;s nonperforming assets were 0.41% of loans and foreclosed properties
at September&nbsp;30, 2005, an improvement from 0.44% a year earlier.
</DIV>

<P align="center" style="font-size: 10pt">(more)
</DIV>

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<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">BancWest Posts Earnings of $148.6 Million,<BR>
Up 26.7% from Third Quarter of 2004<BR>
Page 2

</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Loan loss reserve. </B>With the continued improvement in credit quality, BancWest&#146;s allowance for
credit losses was reduced to 1.20% of total loans and leases at September&nbsp;30, 2005, from 1.39% a
year earlier.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Net interest income </B>for the quarter was $403.7&nbsp;million, up 22.1% from the third quarter of
2004. Net interest margin was 3.61% compared with 3.83% for the same quarter a year ago.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Noninterest income, </B>at $136.8&nbsp;million, increased 30.5% from the third quarter of 2004.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Noninterest expense </B>was $290.7&nbsp;million for the quarter, up 24.0% from the same quarter a year
ago, largely due to acquisitions. Excluding merger-related expenses of $3.6&nbsp;million and $5.8
million in the third quarters of 2005 and 2004, respectively, noninterest expense increased 25.5%.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>The provision for loan and lease losses </B>for the quarter was $10.7&nbsp;million, compared with $10.6
million in the third quarter of 2004.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>Commercial Federal Acquisition:</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;BancWest announced in June&nbsp;2005 that its Bank of the West subsidiary had signed a definitive
agreement to acquire Commercial Federal Corporation (NYSE: CFB) in a cash transaction valued at
$1.36&nbsp;billion. Bank of the West will pay $34 for each Commercial Federal share, with a special
50-cent-per-share dividend paid at closing.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Omaha-based Commercial Federal is the parent company of Commercial Federal Bank, the nation&#146;s
12th-largest thrift, which operates 198 branches in seven states in the Midwest, Colorado and
Arizona. As of June&nbsp;30, 2005, Commercial Federal Corporation had total assets of $10.3&nbsp;billion,
deposits of $6.4&nbsp;billion and loans of $7.8&nbsp;billion. In 2004, the company earned $76.4&nbsp;million.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;After the acquisition is completed, Commercial Federal branches will become part of Bank of
the West, which will become the third largest commercial bank headquartered west of the Mississippi
River. The acquisition will add three new states (Missouri, Oklahoma and Kansas) to BancWest&#146;s
branch footprint. Following the acquisition, BancWest will have approximately $64&nbsp;billion in assets
and serve more than 4&nbsp;million customer accounts through 737 locations in 20 states.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The boards of directors of BNP Paribas, BancWest and Commercial Federal Corporation and
federal and state banking regulators have approved the transaction. The merger requires
</DIV>

<P align="center" style="font-size: 10pt">(more)
</DIV>

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<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">BancWest Posts Earnings of $148.6 Million,<BR>
Up 26.7% from Third Quarter of 2004<BR>
Page 3

</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt">approval from Commercial Federal shareholders. Commercial Federal has announced that it will
convene a special meeting of shareholders on November&nbsp;1, 2005, to vote on the merger. The merger is
expected to close in December.
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt">* * *
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>About BancWest: </B>BancWest Corporation (<U>www.bancwestcorp.com</U>) is a financial holding
company with assets of $54.6&nbsp;billion. It is a wholly owned subsidiary of BNP Paribas
(<U>www.bnpparibas.com</U>), an international financial services group. BancWest is headquartered in
Honolulu, Hawaii, with an administrative headquarters in San Francisco, California. Its principal
subsidiaries are Bank of the West (477&nbsp;banking locations in Arizona, California, Colorado, Idaho,
Iowa, Minnesota, Nebraska, New Mexico, Nevada, North Dakota, Oregon, South Dakota, Utah,
Washington, Wisconsin and Wyoming) and First Hawaiian Bank (62 branches in Hawaii, Guam and
Saipan).
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"># # #
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This release contains forward-looking statements, including statements regarding anticipated
timing of the Commercial Federal Corporation transaction and possible performance of the combined
company after the transaction is completed. Such statements reflect management&#146;s best judgment as
of this date, but they involve risks and uncertainties that could cause actual results to differ
materially from those presented. Factors that could cause such differences include, without
limitation: (1)&nbsp;the possibility that regulatory approvals may be delayed or denied or that
burdensome conditions may be imposed in connection with such approvals; (2)&nbsp;the possibility of
customer or employee attrition following this transaction; (3)&nbsp;failure to fully realize expected
cost savings from the transaction; (4)&nbsp;lower than expected revenues following the transaction; (5)
problems or delays in bringing together the two companies; (6)&nbsp;the possibility of adverse changes
in global, national or local economic or monetary conditions, (7)&nbsp;competition and change in the
financial services business, and (8)&nbsp;other factors described in our recent filings with the
Securities and Exchange Commission. Those factors or others could result, for example, in delay or
termination of the transaction discussed above. Readers should carefully consider those risks and
uncertainties in reading this release. Except as otherwise required by law, BancWest and Commercial
Federal Corporation disclaim any obligation to update any forward-looking statements included
herein to reflect future events or developments.
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"># # #
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In connection with the proposed transaction, Commercial Federal has filed proxy statements and
other materials with the Securities and Exchange Commission. Investors are urged to read the proxy
statement and these materials because they contain important information.
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"># # #
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial Federal and its officers and directors may be deemed to be participants in the
solicitation of proxies with respect to the proposed transaction matters. Information regarding
such individuals is included in Commercial Federal&#146;s proxy statements and Annual Reports on Form
10-K previously filed with the Securities and Exchange Commission, and in the proxy statement
relating to the merger. Investors may obtain a free copy of the proxy statements and other relevant
documents as well as other materials filed with the Securities and Exchange Commission concerning
Commercial Federal and these individuals at the Securities and
</DIV>

<P align="center" style="font-size: 10pt">(more)
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">BancWest Posts Earnings of $148.6 Million,<BR>
Up 26.7% from Third Quarter of 2004<BR>
Page 4

</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 12pt">Exchange Commission&#146;s website at http://www.sec.gov. These materials and other documents may also
be obtained for free from Commercial Federal Corporation by sending an e-mail to investor
relations@commercialfed.com.
</DIV>


<DIV align="center" style="font-size: 10pt; margin-top: 18pt"># # #
</DIV>



<P align="center" style="font-size: 10pt">&nbsp;
</DIV>


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`
end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----
