Bank of the West 2009 Annual Report Download - page 20

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FINANCIAL HIGHLIGHTS
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.
* long-term deposit ratings
Moody’s A1
Standard & Poor’s AA-
Fitch AA
Agency Rating
As of December 31, 2009
STRONG CAPITAL POSITION
Bank of the West is one of the largest commercial banks in
the United States. Our capital position exceeds regulatory
requirements.
Tier 1 Leverage
Ratio 8.41% 5.00%
Tier 1 Risk-Based
Capital Ratio 9.80% 6.00%
Total Risk-Based
Capital Ratio 11.08% 10.00%
Bank of the West Well-Capitalized
Q4, 2009 Requirement
(dollar amounts in thousands) 2009 2008 2007
Net interest income $ 1,704,645 $ 1,749,346 $ 1,568,127
Total noninterest income 158,408 279,016 404,045
Total noninterest expense 1,329,713 1,273,298 1,189,680
Net income (loss) (403,356) 92,143 417,254
Return on average assets (.63)% .15% .72%
Total assets 60,000,590 66,890,239 61,829,845
Total loans and leases 44,476,351 47,194,511 43,735,307
Total deposits 40,205,146 37,261,171 38,055,451
Total risk based capital ratio 11.08% 10.44% 10.57%
AUDITED FINANCIAL STATEMENTS
The financial highlights immediately below are extracted from the bank’s audited financial statements for
2009. These detailed financial statements are available in print or online at:
https://www.bankofthewest.com/about-us/our-company/annual-reports.html
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