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FNAIC1 F]H3HU <br />AUDITED <br />A STs1 a: <br />The financial highlights immediately below are extracted from the Bank's audited financial statements for 2011. <br />These detailed financial statements are available in print or online at: <br />https://www.bankofthewest.com/about-us/our-company/annual-reports,html <br />Net interest income <br />Total noninterest income <br />Total noninterest expense <br />Net income (loss) <br />Return on average assets <br />Total assets <br />Total loans and leases <br />Total deposits <br />Total risk based capital ratio <br />SNla� <br />Credit ratings* are a key measure of capital strength <br />and financial stability. They are also recognition <br />from rating agencies of a strong balance sheet and <br />consistent financial performance, <br />Moody's <br />Standard & Poor's <br />Fitch <br />* long-term deposit ratings <br />Al <br />A+ <br />AA- <br />$1,783,045 <br />358,682 <br />1,354,005 <br />184,600 <br />0.31% <br />57,652,826 <br />43,115,160 <br />39,547,244 <br />14.59% <br />$ 1,704,645 <br />158,408 <br />1,329,713 <br />(403,356) <br />(.63)% <br />60,000,590 <br />44,476,351 <br />40,205,146 <br />11.08% <br />STMNII CAPIIAL <br />Bank of the West is one of the largest commercial banks in the <br />United States. Our capital position exceeds regulatory requirements, <br />Tier 1 Leverage <br />Ratio <br />Tier 1 Risk -Based <br />Capital Ratio <br />Total Risk -Based <br />Capital Ratio <br />11,57% <br />14.20% <br />15.45% <br />5.00% <br />6.00% <br />10.00% <br />As of December 31, 2011 <br />