 Westamerica's plans for the last half of the 1990 decade were addressed by Payne in the April 17, 1995 Business Journal article.Payne stated, "Our longer-term plan is to expand further in the Sacramento market," where, the article noted, economic growth is forecast to outpace the rate in the San Francisco bay area and the northern California coastal regions according to some demographic economists.Payne provided a more detailed outline of Westamerica's future strategy in the 1995 Annual Report.