Mountain West Bank of Helena

Mountain West Bank of Helena is headquartered in Helena and is the 6^th largest bank in the state of Montana. It is also the 1,031^st largest bank in the nation. It was established in 1991 and as of March of 2012, it had grown to 199 employees at 13 locations. Mountain West Bank of Helena has a 3-star health rating.

Data for Q1 2012

Institution Statistics Mountain West Bank, National Association FDIC Certificate # 33314 BankRate Report View Year Established 1991 Employees 199 Primary Regulator OCC Assets and Liabilities Assets $641.46 million Loans $403.63 million Deposits $544.79 million Equity Capital $72.19 million Loan Loss Allowance $14.40 million Unbacked Noncurrent Loans $47.52 million Real Estate Owned $11.30 million Historic Data - March 2011 Assets $695.48 million Equity Capital $69.18 million Loan Loss Allowance $16.12 million Unbacked Noncurrent Loans $58.92 million Real Estate Owned $10.05 million Profit Margin - Quarterly Net Interest Margin 4% Return on Assets 0.47% Return on Equity 4.22% Interest Income $6.81 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Mountain West Bank of Helena had $58.82 million in non-current loans and owned real-estate with $86.59 million in equity and loan loss allowances on hand to cover it. This gives Mountain West Bank of Helena a Texas Ratio of 67.93% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Mountain West Bank of Helena decreased slightly from 82.13% as of March 31, 2011 to 67.93% as of March 31, 2012, resulting in a positive change of 17.29%.This indicates that the balance sheet and financial strength for Mountain West Bank of Helena has improved slightly in recent periods. Deposit Growth In the past year, Mountain West Bank of Helena has decreased its total deposits by -$45.08 million, resulting in -7.64% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Mountain West Bank of Helena has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Mountain West Bank of Helena has $641.46 million in assets with $86.59 million in equity, resulting in a capitalization level of 13.50%, which is excellent.

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