Financial Highlights

Audited Financial Statements

(dollar amounts in thousands)

Net interest income

Total noninterest income

Total noninterest expense

Net income

Return on average assets

Total assets

Total loans and leases

Total deposits

Total risk-based capital ratio

2015

$2,060,874

578,029

1,593,246

627,750

0.83%

75,684,866

54,524,585

54,153,115

14.25%

2014

$1,946,512

502,505

1,542,727

544,222

0.80%

71,682,343

50,884,243

52,113,197

14.61%

2013

$1,870,301

552,513

1,475,372

560,605

0.88%

66,467,781

47,343,690

48,372,468

15.67%

(dollar amounts in thousands)

Net interest income

Total noninterest income

Total noninterest expense

Net income

Return on average assets

Total assets

Total loans and leases

Total deposits

Total risk-based capital ratio

$2,060,874

578,029

1,593,246

627,750

0.83%

75,684,866

54,524,585

54,153,115

54,153,115

$1,946,512

502,505

1,542,727

544,222

0.80%

71,682,343

50,884,243

52,113,197

14.61%

$1,870,301

552,513

1,475,372

560,605

0.88%

66,467,781

47,343,690

48,372,468

15.67%

Strong Credit Ratings

Credit ratings* are a key measure of capital strength and financial stability. They are also recognition from rating agencies of a strong balance sheet and consistent financial performance.

Strong Capital Position

Bank of the West is one of the largest commercial banks in the United States. Our capital ratios exceed regulatory requirements by a wide margin as shown below.

Agency

Moody’s

Standard & Poor’s

Fitch

Rating

Aa3

A

A+

*Long-term deposit ratings
Empty

Tier 1 Leverage Ratio

Tier 1 Risk-based Capital Ratio

Total Risk-based Capital Ratio

Bank of the West Q4

11.42%

14.25%

13.21%

Well-Capitalized Requirement

5.00%

6.00%

10.00%

As of December 31, 2015
Strong Credit Ratings

Credit ratings* are a key measure of capital strength and financial stability. They are also recognition from rating agencies of a strong balance sheet and consistent financial performance.

Agency

Moody’s

Standard & Poor’s

Fitch

Rating

Aa3

A

A+

*Long-term deposit ratings
Strong Capital Position

Bank of the West is one of the largest commercial banks in the United States. Our capital ratios exceed regulatory requirements by a wide margin as shown below.

Empty

Tier 1 Leverage Ratio

Tier 1 Risk-based Capital Ratio

Total Risk-based Capital Ratio

Bank of the West
Q4

11.42%

14.25%

13.21%

Well-Capitalized Requirement

5.00%

6.00%

10.00%

As of December 31, 2015
Strong Capital Position

Bank of the West is one of the largest commercial banks in the United States. Our capital ratios exceed regulatory requirements by a wide margin as shown below.

Tier 1 Leverage Ratio

Tier 1 Risk-based Capital Ratio

Total Risk-based Capital Ratio

11.42%

14.25%

13.21%

5.00%

6.00%

10.00%

*As of December 31, 2015