Mountain West Bank in Coeur D Alene, Idaho (ID), WA, UT



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Mountain West Bank
GeneralFDIC Certificate #: 33844
Status: Active
Federal Reserve ID: 2114282
Bank Holding Company (Regulatory Top Holder): Glacier Bancorp, Inc. (RSSDID: 2003975, Location: Kalispell, MT)
Date Established: October 05, 1993
WWW: http://www.mtnwb.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 24 (Domestic: 24, Interstate: Yes)
OTS Docket #: 11213
FDIC's unique #: 48152
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: October 05, 1993
Last Structure Change Effective Date: Febuary 15, 2011
Last Structure Change Process Date: Febuary 15, 2011
Last Data Update: Febuary 15, 2011
Data Source Date: April 05, 2012
LocationAddress: 125 Ironwood Drive, Coeur D Alene, ID 83814
County: Kootenai
Quarterly Banking Profile Region: San Francisco
FDIC Geographic Region: San Francisco
FDIC Supervisory Region: San Francisco
FDIC Field Office: Salt Lake City
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: Western
Core Based Statistical Area (CBSA): Coeur d'Alene, ID (#17660)
CBSA Metro Statistical Area: Coeur d'Alene, ID (#17660)
Financial SummaryTotal assets: $1,129.4 mil
Equity capital: $159.2 mil
Deposits held in domestic offices: $806.0 mil
Return on assets (ROA): -2.16% (-$24.4 mil)
Quarterly return on assets: -0.87% (-$9.8 mil)
Return on Equity (ROE): -14.50% (-$23.1 mil)
Quarterly return on equity: -6.04% (-$9.6 mil)
Net income: -$24.8 mil
Quarterly Net income: -$2.4 mil
Pretax return on assets: -3.57% (-$40,320.2 mil)
Quarterly Pretax return on assets: -1.67% (-$18,861.3 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)361
Total assets$1,129,417
Cash and due from depository institutions$30,817
Interest-bearing balances$11,108
Securities$264,860
Federal funds sold & reverse repurchase agreements$83,925
Net loans & leases$671,275
Loan loss allowance $36,167
Trading account assets$0
Bank premises and fixed assets$31,603
Other real estate owned$18,951
Goodwill and other intangibles$62
All other assets$27,924
Life insurance assets$1,129,417
Total liabilities and capital$970,198
Total liabilities$806,039
Total deposits$543,481
Interest-bearing deposits$806,039
Deposits held in domestic offices$92
% insured (estimated)39619.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$118,251
Other borrowed funds $0
Subordinated debt $6,289
All other liabilities $159,219
Total equity capital$159,219
Total bank equity capital$159,219
Perpetual preferred stock$0
Common stock$1,789
Surplus$136,572
Undivided profits $20,858
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $34,674
Income earned, not collected on loans $25,118
Earning assets $1,071
Long-term assets (5+ years) $4,109
Average Assets, year-to-date $1,031,168
Average Assets, quarterly $317,100
Volatile liabilities $1,145,503
Insider loans $1,110,845
FHLB advances $730,921
Loans and leases held for sale $1,091,490
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $139,809
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $117,203
Derivatives$8,696
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $49,655
Total interest expense $5,615
Net interest income $44,040
Provision for loan and lease losses $30,100
Total noninterest income $12,793
Fiduciary activities $0
Service charges on deposit accounts $5,088
Trading account gains & fees $0
Additional noninterest income $7,705
Total noninterest expense $67,616
Salaries and employee benefits $19,503
Premises and equipment expense $6,547
Additional noninterest expense $41,566
Pre-tax net operating income -$40,883
Securities gains (losses) $0
Applicable income taxes -$16,087
Income before extraordinary items -$24,796
Extraordinary gains - net $0
Net income attributable to bank -$24,796
Net charge-offs $0
Cash dividends -$24,796
Sale, conversion, retirement of capital stock, net $28,997
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.82%
Cost of funding earning assets 0.55%
Net interest margin 4.28%
Noninterest income to earning assets 1.24%
Noninterest expense to earning assets 6.57%
Net operating income to assets -2.16%
Return on assets (ROA) -2.16%
Pretax return on assets -3.57%
Return on equity (ROE) -14.50%
Retained earnings to average equity (YTD only) -14.50%
Net charge-offs to loans 3.88%
Credit loss provision to net charge-offs 103.80%
Efficiency ratio-0.37%
Assets per employee$78,108
Cash dividends to net income (YTD only)3.13%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 5.11%
Noncurrent assets plus other real estate owned to assets 143.99%
Noncurrent loans to loans 3.90%
Net loans and leases to deposits3.55%
Net loans and leases to core deposits 83.28%
Equity capital to assets 91.23%
Core capital (leverage) ratio 14.10%
Tier 1 risk-based capital ratio 12.81%
Total risk-based capital ratio 19.13%
Memoranda
Average assets$20
Average earning assets$1,145,503
Average equity $170,999
Average loans $1,029,824
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19 Idaho Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
048152Mountain West Bank125 Ironwood Drive, Coeur D Alene, ID 83814October 05, 1993Full Service Brick and Mortar
1289967Hayden Branch305 West Prairie Avenue, Hayden, ID 83835June 30, 1996Full Service Brick and Mortar
2289968Post Falls Branch709 East Seltice Way, Post Falls, ID 83854November 06, 1996Full Service Brick and Mortar
4238313Ketchum-Sun Valley Branch331 N Leadville Avenue, Ketchum, ID 83340Febuary 04, 1966Full Service Brick and Mortar
5238328Hailey Branch206 N Main Street, Hailey, ID 83333September 27, 1972Full Service Brick and Mortar
6230245State Street Branch433 North 16th Street, Boise, ID 83702December 08, 1967Full Service Brick and Mortar
7230253Franklin And Cole Branch80 South Cole Road, Boise, ID 83709Febuary 03, 1975Full Service Brick and Mortar
8230002Nampa West Branch2024 Caldwell Boulevard, Nampa, ID 83651March 17, 1997Full Service Brick and Mortar
11362317Meridian Branch2970 East Saint Lukes Drive, Meridian, ID 83642November 05, 2001Full Service Brick and Mortar
12419736Glenwood Branch7107 West State Street, Boise, ID 83714March 10, 2003Full Service Brick and Mortar
1316600Pend Oreille Branch476655 Highway 95 North, Ponderay, ID 83852Febuary 08, 1982Full Service Brick and Mortar
17238306Bonners Ferry Branch7186 1st Street, Bonners Ferry, ID 83805March 01, 1962Full Service Brick and Mortar
184469258th And Bannock800 West Bannock Street, Boise, ID 83702January 09, 2006Full Service Brick and Mortar
19450596Coeur D'alene Branch1715 W. Kathleen Avenue, Coeur D Alene, ID 83815April 03, 2006Full Service Brick and Mortar
20453336Nampa 12th Branch1223 12th Avenue Road, Nampa, ID 83651November 14, 2005Full Service Brick and Mortar
21453337Fairview Branch4250 Fairview Avenue East, Meridian, ID 83642Febuary 20, 2006Full Service Brick and Mortar
22464424Eagle Branch1539 East Iron Eagle Drive, Eagle, ID 83616May 29, 2007Full Service Brick and Mortar
24493070Internet Banking BranchWww.Mountainwestbank.com, Coeur D Alene, ID 83814August 11, 2008Full Service Cyber
25493071Sandpoint West Branch1319 Highway 2, Sandpoint, ID 83864September 02, 2008Full Service Brick and Mortar
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2 Utah Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
911231Brigham City-Perry Branch110 South Main Street, Brigham City, UT 84302April 11, 1953Full Service Brick and Mortar
10189102Park City Branch1776 Park Avenue, Park City, UT 84060May 09, 1983Full Service Brick and Mortar
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3 Washington Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
14256682Newport Branch330 North Washington Avenue, Newport, WA 99156October 31, 1996Full Service Brick and Mortar
167154Ione Branch223 Main Street, Ione, WA 99139September 29, 1909Full Service Brick and Mortar
23466263Spokane Valley Branch12321 East Mission Avenue, Spokane Valley, WA 99206November 20, 2006Full Service Brick and Mortar
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