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Mountain West Bank

Coeur D'Alene, ID · Cert 33844

FDIC

Q1 2012

$1.1BAssets
$691.8MLoans
$838.0MDeposits
$159.8MEquity
Loan mix
87%RE $529.8M12%C&I $70.7M1%Consumer $6.8MQ1 2011Q1 2012
Deposit mix
66%Interest-bearing $550.9M34%Noninterest $287.1MQ1 2011Q1 2012

NIM

4.97%Q1 ’104.40%Q1 ’114.17%Q1 ’12-7%-3%

Non-interest income vs. expense

3.71%Q1 ’103.64%Q1 ’114.09%Q1 ’12-27%+36%

Executive Summary

  • Earnings: ROA of 0.20%, up 50 bps year over year; NIM at 3.76%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.85%.
  • Funding: loans stand at 82.56% of deposits as of Q1 2012.

Financial Results

Return on Assets (quarter, annualized)

0.20%+50 bps YoY

Net Interest Margin (quarter, annualized)

3.76%-11 bps YoY

Efficiency Ratio (quarter, annualized)

80.56%+1,428 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2011Q2 2011Q3 2011Q4 2011Q1 2012YoY ΔTrend
Earnings
Return on Assets-0.31%-0.68%-6.95%-0.87%0.20%+50 bps
Return on Equity-2.02%-4.47%-45.94%-6.04%1.40%+341 bps
Net Interest Margin3.87%3.91%3.84%3.85%3.76%-11 bps
Efficiency Ratio66.28%70.84%78.12%104.75%80.56%+1,428 bps
Non-Interest Burden2.03%2.35%10.96%4.04%2.77%+74 bps
Growth
Asset Growth (YoY)-5.30%-4.02%-7.20%-3.59%-6.16%-86 bps
Loan Growth (YoY)-19.12%-20.06%-20.13%-13.85%-9.64%+948 bps
Deposit Growth (YoY)-2.14%-4.85%-0.03%4.67%4.75%+689 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans3.75%4.64%5.62%1.91%1.85%-190 bps
Allowance / Loans4.62%4.83%5.02%5.11%5.13%+51 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 Capital19.83%20.45%21.11%20.42%20.64%+81 bps
Equity / Assets15.03%15.46%14.76%14.10%14.41%-62 bps
Liquidity & Funding
Loans / Deposits95.70%92.48%86.33%87.77%82.56%-1,314 bps
Liquid Assets / Assets1.15%0.86%1.12%0.98%2.34%+119 bps
CRE / Total Capitaln/an/an/an/an/an/an/a