Quarterly Profile | Q1 2017
CORPORATE PROFILE
Bank of the West is a regional financial services company chartered
in California and headquartered in San Francisco with $83.8 billion in
assets as of March 31, 2017. With community bank roots dating back
more than 140 years, Bank of the West operates a network of retail,
wealth, commercial and business banking branches and offices
in 23 states. The Bank has more than 10,000 team members
serving the needs of 2.01** million customers.
Through major business areas—Commercial Banking, Consumer
Banking, and Wealth Management—Bank of the West originates
commercial, small business and consumer loans and leases,
and offers a wide range of banking, trust and investment solutions
for individuals and businesses.
In addition to banking products offered by Bank of the West,
Retail Banking Locations
Retail
Banking
Locations
Business
Banking
Locations
Business
Banking
Locations
Wealth Management Center
investment and insurance services are offered through its subsidiary,
BancWest Investment Services, a registered broker/dealer.
Commercial Banking Locations
Commercial
Banking
Locations
Agribusiness
Banking
Locations
Agribusiness Banking Locations
Wealth Management Center
Bank of the West is a subsidiary of BNP Paribas, a leading bank in Europe,
which has a presence in 74 countries with more than 192,000 employees.
Q1 2017 RESULTS
Bank of the West reported first quarter 2017
earnings of $122 million. The Bank’s results
were driven by strong loan and deposit growth.
Total loans and leases rose 8 percent from a
year ago. Total deposits rose 16 percent from
a year ago, as consumers and businesses
continued to turn to Bank of the West as a
trusted financial institution. The Bank achieved
strong loan and deposit growth, and loan quality
and costs were well managed. Bank of the West’s
parent company, BNP Paribas earned 1.9 billion
euros in the first quarter, demonstrating the
strength of its integrated and diversified
KEY FIGURES
As of 03/31/17
ASSETS
ATMS
$83.8 Billion
615
DEPOSITS
**CUSTOMERS
$63.2 Billion
2,010,000
LOANS & LEASES
TEAM MEMBERS
$59.3 Billion
10,489
*RETAIL BANKING LOCATIONS
CHARITABLE CONTRIBUTIONS (ANNUAL)
538
$6.2 Million
business model. Revenues rose 4.2% compared
to the first quarter 2016.
*Does not include satellite and hub locations
**Customer count includes bank-wide individual and business accounts (does not include secondary customers)
Quarterly Profile | Q1 2017
LEADERSHIP
Bank of the West is the 3rd largest commercial bank headquartered in
Bank of the West also serves clients through offices in Atlanta,
California and the 28th largest commercial bank in the U.S. by assets.
Chicago, Dallas and New York, our international offices in Tokyo and
While Bank of the West is one of the largest banks in the U.S., we take
pride in preserving our local focus, our award-winning relationship
banking approach and our industry-leading customer service.
Taipei, and works in tandem with the Network Business Development
Desk of BNP Paribas China which has branches in Shanghai, Beijing,
Tianjin, Guangzhou and a representative in Chengdu.
Bank of the West has a strong retail and commercial franchise with
COMMUNITY SUPPORT
several sector specialties. The Bank is the third-largest bank lender to
In the last five years, Bank of the West has supported
U.S. agriculture, the third-largest bank lender in SBA 504 lending, and
under-resourced communities with $39 billion in loans,
investments and philanthropic contributions.
a leading bank lender in the RV/Marine and religious institution sectors.
AWARDS & ACCOLADES
Kantar TNS
Choice Award for Excellence in Consumer
Retail Banking in the Western U.S., 2017
Private Asset Management Magazine
Innovation in Private Banking Award, 2017
Best Newcomer, 2016
Best Private Bank for Client Service, 2015-2013
Family Wealth Report Award
Best Multi-Family Office Client Initiative, 2017
Javelin
MOODY’S
FITCH
STANDARD & POOR’S
Most Reputable Bank in USA in Top 3, 2015
Bloomberg
World Finance
Best Commercial Bank U.S. West, 2016-2014
Best Private Bank U.S. West, 2016-2014
Greenwich Excellence Awards
Retail Banking International
Small Business & Middle Market Excellence,
2015-2007
Hispanic Network Magazine
The MSR Group
“Best of the Best” for Diversity, 2015-2014
Top Retail Bank for Customer Satisfaction in
Net Advocacy Rating Category, 2015
As of 03/31/17
Short-term Long-term Short-term
issuer
deposits
deposits
A3 P-1 Aa3 P-1
A
F1 A+ F1
A- A-2
CAPITAL RATIOS
As of 03/31/17
TIER I RISK-BASED
CAPITAL RATIO
TOTAL RISK-BASED CAPITAL RATIO
TIER I LEVERAGE RATIO
12.26%
13.24%
10.50%
LOAN PORTFOLIO
25%
26%
Estate 2% Real
Construction
Estate 26% Real
Commercial
Commercial, Financial & Agricultural
Consumer Installment Loans
3%
Equipment Leases
17%
Real Estate Residential
FINANCIAL HIGHLIGHTS
Deposits & Assets
(dollars in billions)
$80
$60
52
84
76
72
54
62
$40
Assets
© 2017 Bank of the West.
As of 03/31/17
1% Other
Deposits
Member FDIC. Equal Housing Lender.
Top U.S. Economic Forecaster in Third-Quarter, 2015
Global Retail Banking Awards
Best Mobile Banking Strategy, 2015
CREDIT RATINGS
Long-term
issuer
Reputation Institute/American Banker
Online Banking Leader
Customer-First Banking, 2016
$20
$0
2014
2015
2016