Mountain West Bank

Mountain West Bank is headquartered in Coeur D Alene and is the largest bank in the state of Idaho. It is also the 594^th largest bank in the nation. It was established in 1993 and as of March of 2012, it had grown to 368 employees at 24 locations. Mountain West Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics Mountain West Bank FDIC Certificate # 33844 BankRate Report View Year Established 1993 Employees 368 Primary Regulator FDIC Assets and Liabilities Assets $1.11 billion Loans $656.31 million Deposits $837.95 million Equity Capital $159.77 million Loan Loss Allowance $35.47 million Unbacked Noncurrent Loans $28.62 million Real Estate Owned $18.94 million Historic Data - March 2011 Assets $1.18 billion Equity Capital $177.56 million Loan Loss Allowance $35.38 million Unbacked Noncurrent Loans $51.46 million Real Estate Owned $16.08 million Profit Margin - Quarterly Net Interest Margin 4.07% Return on Assets 0.2% Return on Equity 1.4% Interest Income $11.54 million

Institution Health Overall Score: 4 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 had $47.56 million in non-current loans and owned real-estate with $195.24 million in equity and loan loss allowances on hand to cover it. This gives Mountain West Bank a Texas Ratio of 24.36% which is 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 decreased slightly from 31.41% as of March 31, 2011 to 24.36% as of March 31, 2012, resulting in a positive change of 22.46%.This indicates that the balance sheet and financial strength for Mountain West Bank has improved slightly in recent periods. Deposit Growth In the past year, Mountain West Bank has increased its total deposits by $37.99 million, resulting in 4.75% 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 has shown is above average. 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 has $1.11 billion in assets with $195.24 million in equity, resulting in a capitalization level of 17.61%, which is excellent.

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