Bank of the West 2008 Annual Report Download - page 7

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5
relationship bankers offer specialized expertise in
agribusiness, commercial real estate, construction,
financial institutions, healthcare, municipalities and
religious institutions.
Supporting Our Communities
Throughout our footprint, Bank of the West actively
supports the economic health of our communities. From
college athletic programs and events sponsorships to
financial literacy seminars and corporate philanthropy,
we focus on building vibrant communities where we
and our neighbors can thrive.
Our dedicated employees are the lifeblood of Bank
of the West’s service culture. They are customer
service representatives, relationship managers, home
mortgage consultants, financial advisors, branch tellers,
loan officers, private bankers and wealth management
advisors.
Along with the thousands of employees who support
the bank’s operations, our bankers and their commit-
ment to serving our customers make relationship
banking the key to our success.
2008 Highlights
•“Highest in Customer Satisfaction among Retail
Banks in the West” J.D. Power and Associates
•Eight Outstanding Customer Service awards for
business banking, Greenwich Associates
•BancWest Investment Services, 2008 Program of the
Year, Bank Insurance & Securities Association
•Total assets up 8% at $66.9 billion
•Loans and leases up 8% at $47.1 billion
•Mortgage growth of 28%
•Opened branches in Arizona, California, Idaho
and Utah
Our strength and stability are measured by:
Strong Credit Ratings
Credit ratings* are a key measure of capital strength
and financial stability. They are also a recognition
from rating agencies of a strong balance sheet and
consistent financial performance.
* long-term deposit ratings
As of December 31, 2008
Moody’s Aa3
Standard & Poor’s AA-
Fitch AA
Strong Capital Position
Bank of the West is one of the 25 largest commercial
banks in the United States. Our capital position
exceeds regulatory requirements.
Tier 1 Leverage
Ratio 7.65% 5.00%
Tier 1 Risk-Based
Capital Ratio 9.15% 6.00%
Total Risk-Based
Capital Ratio 10.44% 10.00%
Bank of the West Well-Capitalized
Q4, 2008 Requirement