Exhibit 99.1
AmericanWest Bancorporation
Robert M. Daugherty
President and CEO
C. Tim Cassels
Executive VP, Chief Financial Officer
Safe Harbor Statement
During the course of this presentation, we may make forward-looking statements regarding future events or the future financial performance of the Company. We wish to caution you that such forward-looking statements are just predictions subject to certain risks and uncertainties that could cause actual events or results to materially differ, either better or worse, from those projected. A discussion of risk factors that may affect the actual outcomes relating to such forward-looking statements and the Company’s results of operations in general is included in the Company’s Annual Report on Form 10-K and other filings with the Securities and Exchange Commission. The Company assumes no obligation to update or supplement forward-looking statements that become untrue because of subsequent events.
Overview of AWBC
Founded in 1974 as United Security Bank IPO in 1995 Traded on NASDAQ under the symbol AWBC Operated under “Super-Community Banking” model until 2001 Headquartered in Spokane, Washington 42 financial centers in Central and Eastern Washington and Northern Idaho Over 400 employees $1.05B in total assets
Portland
Seattle
Spokane
United Security Bank
Spokane
Seattle
Portland
Founded 1974
Home Security Bank
Spokane
Portland
Founded 1989
Seattle
Bank of Pullman
Spokane
Seattle
Portland
Acquired 1997 Total Assets: $64MM
Grant National Bank
Spokane
Seattle
Portland
Acquired 1998 Total Assets: $32MM
Bank of the West
Seattle
Spokane
Portland
Acquired 1998 Total Assets: $103MM
Bank of Latah
Seattle
Spokane
Portland
Acquired 2002 Total Assets: $135MM
AmericanWest Bank
Seattle
Spokane
Portland
Population Density
Seattle
Spokane
Portland
People per Square Mile
100+ 60-99 20-59 0-19
Targeted Market Growth
Spokane, WA
Tri-Cities, WA (Kennewick, Richland, Pasco)
Yakima, WA
Kootenai County, ID
New Leadership
Bob Daugherty, President and CEO Nicole Sherman, EVP Retail Banking Blair Reynolds, SVP General Counsel Don Livingstone, Director
AWBC vs. Peer Net Interest Margin
Net Interest Margin Percentage
7.0
6.5
6.0
5.5
5.0
4.5
4.0
3.5
3.0
2.5
2.0
1.5
1.0
0.5
0.0
2000 2001 2002 2003 2004
AWBC Peer Group
Source: Uniform Bank Performance Report
AWBC vs. Peer Non-Performing Assets
% of NPA Divided by Gross Loans and ORE
4.00
3.75
3.50
3.25
3.00
2.75
2.50
2.25
2.00
1.75
1.50
1.25
1.00
0.75
0.50
0.25
0.00
Source: Uniform Bank Performance Report
AWBC Peer Group
2001 2002 2003 2004
AWBC Total Assets by Year $ in millions
1.1B
1B
900 800 700 600 500 400 300 200 100 0
1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004
Loan Portfolio as of 12-31-04
Installment and Other 3% Real estate mortgage 4%
Real estate construction 5%
Agriculture 13%
Commercial real estate 54%
Commercial and industrial 21%
Deposit Portfolio as of 12-31-04
Noninterest bearing checking 19% Time deposits 30%
Now and savings accounts 51%
AWBC Net Income
$ in millions
14 13 12 11 10 9 8 7 6 5 4 3 2 1 0
2000 2001 2002 2003 2004
AWBC Diluted Earnings per Share*
$3.00 $2.75 $2.50 $2.25 $2.00 $1.75 $1.50 $1.25 $1.00 $0.75 $0.50 $0.25 $0.00
*Adjusted for stock dividends
2000 2001 2002 2003 2004
Improving Credit Quality
Centralized commercial credit underwriting Changes to internal credit culture and staff incentives based on credit quality 2004 write-downs Reduction in delinquencies
Fundamental Community Banking
Improved relationships
Focus on sales and service culture Expanded target audience Revised brand Renewed emphasis on core values
Infrastructure Improvements
Technology investments Internal training for all staff In-house marketing team Centralization of all operations Centralized consumer lending center Focus on internal communication
Retail Banking
Expanded product offerings Strong consumer lending emphasis (consumer, small business, mortgage) Increased core deposits Build relationships by focusing on the customer experience Implement a service & sales infrastructure Training at all levels
