Bank of the West

180 Montgomery Street
San Francisco, CA 94104

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 3514
Date Established 1874
Assets $87.63 billion
Loans $61.51 billion
Deposits $66.67 billion
Capital $11.95 billion

Bank of the West is an FDIC insured institution located in San Francisco, CA. It was founded in 1874 and has approximately $87.63 billion in assets. Customers can open an account at one of its 586 branches.

For a more detailed analysis of Bank of the West's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Bank of the West’s loan portfolio are Commercial and Industrial Loans, Commercial Real Estate, and 1-4 Family Residential Loans.

Compared to other banks in California, Bank of the West has a significantly higher percent of Credit Card Loans, Farm Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 18.34
Multifamily
Mortgages
2.13
Credit Card Loans 0.31
Consumer Auto Loans 6.47
Small Business Loans 4.95
Construction and Development Loans 2.54
Commercial Real Estate 20.56
Commercial and Industrial Loans 21.05
Farm Loans 4.06

Deposit Rates - January 15, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.05% $1 $4,999 Learn MoreShow Less
Money Market
0.29% $10,000 $24,999 Learn MoreShow Less
Money Market
0.30% $25,000 $49,999 Learn MoreShow Less
Premium Money Market Account
0.01% $10,000 $24,999 Learn MoreShow Less
Premium Money Market Account
0.01% $25,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.03% $10,000 $24,999 Learn MoreShow Less
3 Mo CD
0.03% $100,000 - Learn MoreShow Less
6 Mo CD
0.09% $10,000 $24,999 Learn MoreShow Less
6 Mo CD
0.09% $100,000 - Learn MoreShow Less
12 Mo CD
0.12% $10,000 $24,999 Learn MoreShow Less
12 Mo CD
0.12% $100,000 - Learn MoreShow Less
Special: 14 Mo CD
0.15% $10,000 $24,999 Learn MoreShow Less
Special: 14 Mo CD
2.40% $100,000 - Learn MoreShow Less
Special: 16 Mo CD
1.90% $100,000 - Learn MoreShow Less
18 Mo CD
0.27% $10,000 $24,999 Learn MoreShow Less
18 Mo CD
0.27% $100,000 - Learn MoreShow Less
24 Mo CD
0.45% $10,000 $24,999 Learn MoreShow Less
24 Mo CD
0.45% $100,000 - Learn MoreShow Less
30 Mo CD
0.45% $10,000 $24,999 Learn MoreShow Less
30 Mo CD
0.45% $100,000 - Learn MoreShow Less
36 Mo CD
0.55% $10,000 $24,999 Learn MoreShow Less
36 Mo CD
0.55% $100,000 - Learn MoreShow Less
48 Mo CD
0.65% $10,000 $24,999 Learn MoreShow Less
48 Mo CD
0.65% $100,000 - Learn MoreShow Less
60 Mo CD
0.80% $10,000 $24,999 Learn MoreShow Less
60 Mo CD
0.80% $100,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.12% $100 - Learn MoreShow Less
Special: 5 Mo FIRA
0.05% $2,500 $9,999 Learn MoreShow Less
Special: 10 Mo FIRA
0.11% $100,000 - Learn MoreShow Less
Special: 11 Mo FIRA
0.14% $50,000 $99,999 Learn MoreShow Less
Special: 14 Mo FIRA
0.15% $2,500 $9,999 Learn MoreShow Less
Special: 14 Mo FIRA
2.40% $25,000 $49,999 Learn MoreShow Less
Special: 15 Mo FIRA
0.20% $50,000 $99,999 Learn MoreShow Less
Special: 16 Mo FIRA
1.90% $25,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.01% $1 $2,499 Learn MoreShow Less
Int Ckg
0.01% $2,500 $9,999 Learn MoreShow Less
Checking Rates APY MIN FEE
Any Deposit Checking 0.00% $0 $10.00 Learn MoreShow Less

Loan Rates - January 15, 2019

Your Current Location: Virginia, VA 20146

Auto Loan Rates APR Rate Monthly Payment
3 Year 4.82% 4.49% $743.56
4 Year 4.82% 4.49% $569.97
5 Year 4.82% 4.49% $465.96
Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

Bank of the West branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Bank of the West Locations

Financial Details

Bank of the West Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of the West. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bank of the West U.S. Bank Average
2.46% 7.34%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2018, Bank of the West had $299,903,000 in non-current loans and $8,516,000 in owned real estate. To cover these potential losses it had $11,951,328,000 in equity and $608,120,000 in loans loss reserves. That gives it a Texas Ratio of 2.46%.

Return on Equity
Bank of the West U.S. Bank Average
5.67% 9.95%

Bank of the West has a Return on Equity of 5.67% versus the BestCashCow average of 9.95%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Bank of the West U.S. Bank Average
13.64% 12.19%

Bank of the West has a Capitalization of 13.64% versus the BestCashCow average of 12.19. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bank of the West Balance Sheet Analysis

As of September 30, 2018, Bank of the West had assets of $87,628,883,000, loans of $61,508,148,000, and deposits of $66,669,796,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2018
ASSETS
Cash & Balances due from depository institutions $6.06 billion
Interest-bearing balances $5.23 billion
Total securities $12.03 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $61.51 billion
Loan loss allowance $0.61 billion
Trading account assets $0.05 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.01 billion
Goodwill and other intangibles $4.23 billion
All other assets $3.39 billion
     Total Assets $75.68 billion
LIABILITIES
Total deposits $66.67 billion
      Interest-bearing deposits $49.88 billion
      Deposits held in domestic offices $66.67 billion
      % insured (estimated) 53.01%
Federal funds purchased and repurchase agreements $0.20 billion
Trading liabilities $0.13 billion
Other borrowed funds $7.51 billion
Subordinated debt $0.00 billion
All other liabilities $1.15 billion
      Total Liabilities $75.68 billion
      Shareholders’ Equity $11.95 billion

Summary Income Statement

September 30, 2018
INCOME AND EXPENSES
Total Interest Income $2.25 billion
Total Interest Expense $0.49 billion
Net interest income $1.76 billion
Provision for loan and lease losses $0.07 billion
Total non interest income $0.38 billion
Total non interest expense $1.39 billion
Pre-tax Net Operating Income $0.68 billion

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