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Mountain West Bank, National Association

Helena, MT · Cert 33314

FDIC · 13 branches

Q3 2014

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2014, the quarter ended September 30, 2014, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Mountain West Bank, National Association

Helena, MT · Cert 33314

FDIC · 13 branches

Q3 2014

$615.6MAssets
$352.3MLoans
$511.7MDeposits
$94.8MEquity
Loan mix
79%RE $213.6M17%C&I $46.8M4%Consumer $10.0MQ3 2013Q3 2014
Deposit mix
80%Interest-bearing $411.7M20%Noninterest $100.0MQ3 2013Q3 2014

NIM

4.33%Q3 ’123.97%Q3 ’131.05%Q3 ’14-2%-72%

Non-interest income vs. expense

3.57%Q3 ’123.63%Q3 ’130.67%Q3 ’14+9%-80%

Market Position · Great Falls, MT · 2014 SOD (annual) · 10.6% share · #5 of 10 inst. · $0.1B of $1.3B

20.2% Lewis and Clark
10.6% Cascade
3.5% Missoula
2.3% Flathead

Executive Summary

  • Earnings: ROA of 0.27%, down 37 bps year over year; NIM at 0.98%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 68.85% of deposits as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

0.27%-37 bps YoY

Net Interest Margin (YTD, annualized)

0.98%-254 bps YoY

Efficiency Ratio (YTD, annualized)

54.12%-2,841 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets0.64%0.75%0.54%0.66%0.27%-37 bps
Return on Equity5.43%6.42%4.47%5.39%2.09%-334 bps
Net Interest Margin3.52%3.50%3.47%3.48%0.98%-254 bps
Efficiency Ratio82.53%81.82%77.26%75.61%54.12%-2,841 bps
Non-Interest Burden2.75%2.72%2.53%2.44%0.54%-221 bps
Growth
Asset Growth (YoY)1.47%-1.01%0.25%-1.63%-4.09%-556 bps
Loan Growth (YoY)0.77%-4.86%-1.34%-3.78%-12.39%-1,316 bps
Deposit Growth (YoY)0.08%-2.46%-1.52%-1.46%-5.82%-590 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.02%-0.11%-0.03%0.16%0.00%+2 bps
Allowance / Loans3.26%3.00%3.11%3.09%0.00%-326 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital17.63%17.62%18.08%18.23%15.92%-171 bps
Equity / Assets11.61%11.86%12.19%12.49%15.41%+380 bps
Liquidity & Funding
Loans / Deposits74.01%74.95%75.18%75.33%68.85%-516 bps
Liquid Assets / Assets9.01%8.10%8.36%8.82%22.91%+1,390 bps
CRE / Total Capitaln/an/an/an/an/an/an/a