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100336 Text Page.Indd 2005 Annual Report 104 37 80 66 Encircled numbers: San Francisco Bay Area Los Angeles & Orange Counties Metropolitan Denver Greater Omaha Arizona North Dakota Table of Contents 23 banking locations 9 banking locations California Oklahoma 2 Letter from the Chairman 252 banking locations 21 banking locations Colorado Oregon 4 Company Overview 99 banking locations 32 banking locations 6 Corporate Banking Services Idaho South Dakota 3 banking locations 10 banking locations 10 Small Business Banking Iowa Utah 47 banking locations 6 banking locations 12 Consumer Banking Services Kansas Washington Bank of the West brand 15 Supporting our Communities 29 banking locations 9 banking locations The distinctive Bank of the West bear represents Minnesota Wisconsin 18 Executive Management the strength of a solid financial institution in the 27 banking locations 4 banking locations Committee great American West. Our bear brand signifies our Missouri Wyoming 19 Senior Management Western heritage and the entrepreneurial spirit of 12 banking locations 26 banking locations Nebraska Committee the region. Map represents full 53 banking locations service branches, 20 Board of Directors Nevada limited service locations, 11 banking locations business banking centers, New Mexico agribusiness and 29 banking locations commercial offices Financial Highlights (dollar amounts in thousands) 2005 2004 2003 Net interest income $ 1,413,239 $ 1,156,774 $ 1,094,129 Total noninterest income 395,514 287,590 245,787 Total noninterest expense 941,015 721,379 631,680 Net income 525,661 419,027 390,866 Return on average assets 1.23% 1.31% 1.44% Total assets 55,157,645 40,170,606 29,300,245 Total loans and leases 37,744,452 27,234,728 20,723,250 Total deposits 33,901,911 26,006,520 19,372,179 1 Stockholder’s equity 8,331,286 6,733,971 4,834,984 Total risk based capital ratio 10.79% 12.41% 12.94% $525,661 $55,158 $33,902 $37,744 $419,027 $390,866 $26,007 $27,235 $40,171 $312,914 $19,372 $20,723 $17,919 $29,300 $19,092 $26,050 02 03 04 05 02 03 04 05 02 03 04 05 02 03 04 05 Total Assets Total Deposits Net Income Total Loans and Leases (dollars in millions) (dollars in millions) (dollars in thousands) (dollars in millions) Letter from the Chairman Strong Earnings Growth Through these acquisitions, coupled with strong organic growth, Bank of the West was able to offset the impact of industry-wide margin compression and produce double digit earnings growth in 2005. Net income for 2005 was $525.7 million, a 25% increase from net income of $419.0 million generated in 2004. We also experienced strong balance sheet growth during the year. Total as- 2 sets increased by 37%, from $40.2 billion at year-end 2004, to $55.2 billion at year- end 2005. Loans and leases increased 39% to end 2005 at $37.7 billion, and The last fifteen months have been a peri- of Community First marked our en- deposits grew by 30% to end the year od of very strong growth and expansion trance to ten Rocky Mountain and at $33.9 billion. for Bank of the West. From the fourth Midwestern states. quarter of 2004, through December of • In January, 2005 we converted 16- Growing Our Business 2005, we completed a series of acqui- branch, Stockton, California-based Bank of the West now provides a full sitions which dramatically increased Union Safe Deposit Bank. This ac- range of consumer banking prod- our presence in the Western U.S. and quisition added to Bank of the West’s ucts and services through 681 branch introduced the Bank of the West brand presence in the rapidly growing Cen- banking locations in 19 Western and to the Rocky Mountain and Great Plains tral Valley region of California. Midwestern states, as well as small states. Bank of the West ended 2005 business and corporate banking ser- among the 25 largest commercial banks • In December of 2005, we acquired vices through dozens of banking offices in the country, and as the second largest Commercial Federal Bank, a federal located throughout our service area. bank headquartered in California. We savings bank headquartered in Oma- As we have grown, we have remained also acquired material market share in ha, Nebraska. With $10.0 billion in focused on preserving the high level of Wyoming and Colorado where we rank assets and 204 banking locations, the customer service which has character- third and fourth respectively. acquisition of Commercial Federal ized Bank of the West since its incep- strengthened our market presence tion in 1874. Growth and Expansion in Nebraska, Arizona, Colorado and • In November of 2004, we acquired Iowa as it served to introduce the Fargo, North Dakota-headquartered Bank of the West “Bear” to Kansas, Community First Bank. With 166 Oklahoma and Missouri. banking locations, the acquisition When asked what defines our brand, we ments and contributions to individuals, Our Service Philosophy like to say it’s about “Getting Bigger by businesses and non-profit organiza- In a world of high technology, Bank of Acting Smaller.” You will still find the tions in lower-income communities. the West has both harnessed that tech- phone number of each of our branches To date, we have achieved in excess of nology and also retained a personalized, in your local directory. 75% of this goal. In 2005, we revisited high touch approach to banking. We this commitment in the context of our put our customers’ interest foremost As Bank of the West has grown, our recent growth and increased the goal and treat them as we wish to be treated organizational structure has evolved to $75 billion by 2015. by a service business — with friendly with the objective of maintaining a respect, courteous service and quality relationship focus with our clients by At Bank of the West, we believe we products and services. vesting local decision-making authority have an important role to play in the with their banker. We have also worked development and growth of the com- Our service culture, our values and very hard to ensure that all our products munities in which we live and work. the employees who embody them 3 and services are available from across This belief extends to our support of im- make Bank of the West a strong and the organization to each client. We be- portant community events, whether it’s successful, high-performance organi- lieve in relationship banking. Frontier Days in Cheyenne, Celebrates zation. Without the 11,000 employees America in Omaha, Parade of Lights in who energize this bank, there would Commitment to Community Denver, Albuquerque International Bal- be no Bank of the West, and to them The impact on any community in which loon Fiesta, or our sponsorship of the I extend my heartfelt thanks. an acquired bank is headquartered can Bank of the West Classic, the longest be significant. We are aware of this, running tournament in professional and with each acquisition we make, women’s tennis. our goal is to minimize this impact. In the three acquisitions discussed earlier, Into the Future we retained essentially all branch per- Looking into 2006, we anticipate infill sonnel. In addition, in both Fargo and growth in our current markets through Omaha, we have established regional further acquisitions, as opportunities Don J. McGrath headquarters and company-wide op- present themselves, and through con- Chairman and CEO erational support centers that employ struction of approximately 20 new a large number of former Community branches in areas where we can en- First and Commercial Federal staff. We hance client coverage. Our appetite for look forward to expanding these opera- growth is fully supported by our share- tions as we continue to grow Bank of holder BNP Paribas, which has invested the West. substantially in the Bank of the West network and brand, and in our holding In 2002, Bank of the West established a company, BancWest Corporation. ten year goal to provide $30 billion in financial support through loans, invest- Company Overview 4 Bank of the West began as a community bank in Northern California more than 130 years ago. Through internal growth and acquisitions, the bank’s footprint has widened from communities in the San Francisco Bay Area throughout the state and beyond. Above, our San Francisco main branch. At Bank of the West, we believe that Through more than 680 branch banking tate, construction, churches, health our personalized, high touch approach locations in 19 states, we serve 4 mil- care providers and financial institu- to building, sustaining and servicing lion business and household accounts tions. Our services for commercial customer relationships is what makes in Arizona, California, Colorado, Idaho, customers include capital markets, our brand of banking so distinctive. Iowa, Kansas, Minnesota, Missouri, cash management, equipment leasing, Nebraska, Nevada, New Mexico, North foreign exchange, loan syndication and With assets of $55 billion and deposits Dakota, Oklahoma, Oregon, South trade finance. of $33.9 billion, Bank of the West is the Dakota, Utah, Washington, Wisconsin, second largest bank headquartered in In the small business arena, we provide and Wyoming. California, the third largest commercial not only deposit and credit products, bank headquartered in the West and Bank of the West offers a full range of but also SBA loans, equipment leas- among the top 25 commercial banks in banking and financial services through ing, merchant services and most of the United States. Bank of the West is a multiple channels for corporations, the same specialty services available subsidiary of BancWest Corporation, part small businesses and individual to larger companies. of the BNP Paribas global network.
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