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West One Bank

Kalispell, MT · Cert 57534

FDIC · 2 branches

Q4 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: Q4 2014, the quarter ended December 31, 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

West One Bank

Kalispell, MT · Cert 57534

FDIC · 2 branches

Q4 2014

$40.1MAssets
$32.1MLoans
$28.7MDeposits
$6.3MEquity
Loan mix
74%RE $22.6M14%C&I $4.4M12%Consumer $3.7MQ4 2013Q4 2014
Deposit mix
77%Interest-bearing $22.0M23%Noninterest $6.7MQ4 2013Q4 2014

NIM

4.81%Q4 ’124.75%Q4 ’134.73%Q4 ’14+8%+3%

Non-interest income vs. expense

2.91%Q4 ’123.15%Q4 ’133.22%Q4 ’14+9%-2%

Executive Summary

  • Earnings: ROA of 1.45%, up 70 bps year over year; NIM at 3.97%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.52%.
  • Funding: loans stand at 111.71% of deposits as of Q4 2014.

Financial Results

Return on Assets (YTD, annualized)

1.45%+70 bps YoY

Net Interest Margin (YTD, annualized)

3.97%+13 bps YoY

Efficiency Ratio (YTD, annualized)

70.18%-160 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014YoY ΔTrend
Earnings
Return on Assets0.75%3.32%2.12%1.68%1.45%+70 bps
Return on Equity5.21%21.93%13.91%10.93%9.41%+421 bps
Net Interest Margin3.84%4.10%4.06%3.95%3.97%+13 bps
Efficiency Ratio71.77%68.37%69.71%68.87%70.18%-160 bps
Non-Interest Burden2.64%2.68%2.70%2.59%2.60%-4 bps
Growth
Asset Growth (YoY)-4.12%-1.57%2.71%6.47%5.81%+993 bps
Loan Growth (YoY)6.59%11.40%16.17%7.92%14.29%+770 bps
Deposit Growth (YoY)-6.32%-4.00%-2.74%1.82%1.14%+746 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.86%-1.01%-0.49%-0.66%-0.52%+34 bps
Allowance / Loans3.49%2.28%2.16%2.41%2.32%-117 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 Capital23.77%24.01%23.84%24.15%22.66%-111 bps
Equity / Assets15.04%15.23%15.53%15.52%15.64%+60 bps
Liquidity & Funding
Loans / Deposits98.86%96.51%107.01%105.84%111.71%+1,286 bps
Liquid Assets / Assets13.95%15.30%10.75%9.08%3.44%-1,051 bps
CRE / Total Capitaln/an/an/an/an/an/an/a