# AMERICANWEST BANK
SPOKANE, WA · FDIC certificate 22441 · asset band $1-10B · latest filing 2015-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $4.51B | |
| Deposits | $3.62B | |
| Loans and leases | $2.99B | |
| Total equity | $598.0M | |
| Loans / deposits | 82.08% (p38 of band) | 86.97% |
| Liquid assets / assets | 24.93% (p55 of band) | |
| Uninsured deposits / deposits | 21.93% (p41 of band) | 24.91% |
| Brokered deposits | 4.10% | |
| Wholesale funding | 9.42% (p51 of band) | |
| FHLB advances / assets | 5.21% | |
| Tier 1 leverage | 10.15% (p57 of band) | 9.78% |
| Unrealized securities loss / equity | 2.22% (p67 of band) | 1.31% |
| AOCI / equity | 0.83% (p86 of band) | |
| ROA (annualized) | 0.74% (p29 of band) | 0.95% |
| Net interest margin | 3.93% (p81 of band) | 3.48% |
| Efficiency ratio | 72.12% (p74 of band) | |
| Noncurrent loans | 0.29% (p17 of band) | 0.71% |
| Net charge-offs (annualized) | -0.04% (p11 of band) | |
| Reserve coverage of noncurrent | 190.41% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 10.82% (p17 of band) | |
| Auto loans | $1.9M (0.06% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 12.1% | |
| Employees | 859 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 2 | expense ratio p90 |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 0 |  | reserve under noncurrent, expense ratio p90 |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2016-06-16 [Banner Bank expands in Spokane following merger with AmericanWest Bank - Spokane Journal of Business](https://news.google.com/rss/articles/CBMitgFBVV95cUxNbE51OF93R3JvZlNuU2NEYjZCU05qZmpNZU9kN3NrWEs2R3U0NHJzWTFKRWVNNnlWQ1ptanBibGZ1RnpxU3drbXJZdThRT3JrMFlUdHQ0WnAyWmJZRDFTZ3BldjBndzRsRGZUMWF6QWp2OVpRWnVqcm1uLXpaS25OdzVoSnY3bXVlR3NGSU5JNzdSaE03VVpRb1pJZDlpTEw2d0V0Uzl1UndWek56ekJyWDZkczBjQQ?oc=5) · Spokane Journal of Business
- 2016-07-15 [Banner Bank completes merger with AmericanWest Bank, sees consistent growth - Tri-Cities Area Journal of Business](https://news.google.com/rss/articles/CBMiX0FVX3lxTFBxX3hyYWZsSDVzN0ZyNzRiTlhxNjNhYWdXTk1uUFFidlhJbHkxQnlZN214ZUtuUEpoWG5UUWxPY0F4M2pIMjRQRjcwT1RldXJSUGNzR0cyeDh5RXkwaV9n?oc=5) · Tri-Cities Area Journal of Business
- 2019-06-28 [Banner Corporation completes merger of AmericanWest Bank - Clearwater Tribune](https://news.google.com/rss/articles/CBMi7gFBVV95cUxNQmdkRDVYaXowUmdVUXlneHRWNnpwam10V0pyOXpPdnlmYlJwMURKQmFxdHlBM3NFWVpneExEak9GNkgtYjhfTDlZdFdidFpvd0gtQ2RXY0RUcW1yTGJyelZFY2FFNzFodUd1WjgyT18tTmQ1Y1BTcmFSRnpoZlRkUHVsa2JjVEM4Wmh3TGRVRzJwcFNXUlV1c3FrQ2VCa0JLcTVGVGFCUm1vWnk2cG1HVU9DckFUMXpMVlQxMENERXR5QmppWE5CRl90WlVnaExEZnFDc3lhdzZuTTJKal9jN1h2Q0R6MHNsMUt6Rm9B?oc=5) · Clearwater Tribune
- 2012-08-19 [Washington State Bank Invests in L.A. Presence - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMihgFBVV95cUxQSGpRNkRneDl1aFk4b0tQQzVvZVg4THdaaUx6RUhpZ3pOalBnZ3pGRjIzNGpKMFJGN1NiMDJmQ1NjSk5GbW5BaGtNckFlaGhZNnZfN2gtWjRaRnpnUi0wQzF2YjFtSDI1cUI4WUJiYlVjZ0RRUVdSMUtQOUZfMlRpLURHTDlmZw?oc=5) · Los Angeles Business Journal
- 2024-06-24 [Riverview Bank taps M&A expert as next CEO - Banking Dive](https://news.google.com/rss/articles/CBMikgFBVV95cUxNd0NGMWw2RzlPYWFLNGJTeUtzRlgxbjZ3eGJYdzVDTjhnWmJYWTQ3elh3VERUcE5wdHE3bkR1dFFvMi1aZ25CRlI1enFNTmU1bk5DVV9kYXRrbDdoU2w2N2VqUEprYXNub0gxbkhMcUtZOHZjQ3czTVk2MkpsVTJaUnlLRVhQa0tyMXVZcm15Q1l0QQ?oc=5) · Banking Dive
- 2010-12-03 [Sale of Far West parent near - The Salt Lake Tribune](https://news.google.com/rss/articles/CBMib0FVX3lxTE5EcEpZdTlpWHlNazRsWUxsbDZJM0h6Z1NoTlVBVUxTOHlWcEMwRnAzYWd6UTJXY0VpYVpXNjNGaHlEYmJ0X1pmby1vNVFNSUJCSUFkLXh3Q2tBNHVtalROT0FRWi1JcFhFOHlWWUg5bw?oc=5) · The Salt Lake Tribune
- 2011-04-17 [Buying into Washington banking: Consolidation wave looms - The Seattle Times](https://news.google.com/rss/articles/CBMimgFBVV95cUxOLVppakNHcC1YdExZRC1feWtDU0xBeEJpNDhWc3piak9oOHBic28xTkZWVXNUNEV5eEEyN0xPem9sUFRhY1cyOXJEdDFucjc4NlJrS1c3SFV5TGdyOXdFbWJxX2NyWVlhcEJXY3kxOU43ME53a0NDNWtnM2I2SzV1SE1La3ozaTlzdXpXZEdKNFcwM0pPUEtidDJB?oc=5) · The Seattle Times
- 2011-12-06 [Goodbye Viking Bank - Westside Seattle](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOZEJOaVlBdzNfNTJRS0FhN2l4X3JRUThKTWdJaE1ndXBpVURlRnhHOFVjQlpmM3RVbnFDdDdlRmVBRmZ1NjVVY0dmM20tc094ZUtVSW5SQ2QzU0pyeVVuMUdwNkN6c1V3MTZDM3NGMUNoZGt3WUpDOTNzWVJpeFVMdFFnZ0djNWFteG5N?oc=5) · Westside Seattle

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22441 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/41.json (key "22441", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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