Northwest Bancorporation — Shareholder Meeting (May 2011)
19 slides from Northwest Bancorporation's shareholder meeting presentation, May 16, 2011
Slide 1: Twenty-second Annual Meeting of Shareholders
Northwest Bancorporation, Inc. Twenty-second Annual Meeting of Shareholders May 16, 2011
Slide 2: Safe Harbor Statement
Safe Harbor Statement In the course of our presentation, we may discuss matters that are deemed to be forward-looking statements, which are intended to be covered by the safe harbor for "forward-looking statements" provided by the Private Securities Litigation Reform Act of 1995 (the "Reform Act") (
Slide 3: Net Income
$4,000 $3,000 $2,000 $1,000 $0 ($1,000) ($2,000) ($3,000) ($4,000) ($5,000) Net Income ($ in thousands) $2,780 $2,638 $267 $430 : —- —/ _ ($275) ($3,872) 2006 2007 2008 2009 2010 1st Quarter 2011
Slide 4: Core Deposits
Core Deposits (4m ousanas) $250,000 $223,640 $213,312 $200,000 $164,683 $150,000 $129,465 $107,807 $109,065 $100,000 | " $50,000 $0 2006 2009 2007 2008 2010 4st Quarter 2011
Slide 5: Total Revenues
Total Revenues ($ in thousands) $20,000 $18,670 $16,931 $14,653 me $15,000 645 451 : $10,000 $5,000 $4,564 $4,910 $0 ‘ t t t wl = rs 2006 2007 + 2008 + 2009 ©2010 1st 1st Quarter Quarter 2010 2011
Slide 6: Net Charge-offs to Loans
Net Charge-offs to Loans «) 5.00% 4.50% 4.00% - - 3.50% @ All Com'| Banks in WA (65) 3.00% 2.50% & All Com'l Banks 2.00% in ID (16) 1.50% 1.00% @ All Com'| Banks in US between 0.50% $300M & $500 M 0.00% am om (699) 2006 2007 2008 2009 2010 (1) Source: FDIC @INB
Slide 7: Non-performing Assets to Total Assets
Non-performing Assets to Total Assets 9.00% pl) NPA represents a 8.00% Miran of $500,000 in lost interest income 7.00% potential. @AIl Com'! Banks in 6.00% WA (65) 5.00% — a 4.00% & All Com'l Banks in ID (16) 3.00% 2.00% @AIl Com'l Banks in 1.00% 9 re | I US between 0.00% _s | ; : $300M & $500 M (69
Slide 8: Construction & Land Development (C & D)
Construction & Land Development (C & D) Loans as % of Total Loans 9 35.0% wINB 30.0% — 25.0% All Com'l Banks in WA(65) 20.0% 15.0% & All Com'l Banks in ID (16) 10.0% All Com'l Banks in 5.0% US between 0.0% $300M & $500 M .0% - (699) 2006 2007 2008 2009 2010 (1) Source: FDIC
Slide 9: Commercial Real Estate (CRE) Loans as % of Total Loans
Commercial Real Estate (CRE) Loans as % of Total Loans «) 9) 80.0% @INB Approximately 55% of CRE 50.0% Loans are owner occupied @ All Com'l Banks in 40.0% WA(65) |0/ 30.0% All Com'l Banks in ID (16) 20.0% ; @ All Com'l Banks in 10.0% US between $300M & $500 M 00% ; (699) 2006 2007 2008 2009 2010 (1)
Slide 10: Owner Occupied Commercial Real Estate
Owner Occupied Commercial Real Estate Loans as a % of Total Loans « 30.0% 25.0% 20.0% 15.0% 10.0% 5.0% 0.0% (1) Source; FDIC GINB Over 25% of loans are owner occupied @ National Peers
Slide 11: Commercial Real Estate (CRE) Loans as % of Total Loans
Commercial Real Estate (CRE) Loans as % of Total Loans 0, 60.0% wINB 50.0% w All Com'l Banks in 40.0% WA(65) 30.0% ; &l All Com'l Banks in ID (16) 20.0% @ All Com'l Banks in 10-0%6 US between $300M & $500 M 0.0% r ‘ ; (699) 2006 2007 2008 2009 2010 (1) Source: FDIC
Slide 12: Small Business Loans as % of Total Loans
Small Business Loans as % of Total Loans 25.0% = INB Goal is to grow to 25% of total loans. 20.0% All Com'! Banks in WA(65) 15.0% All Com'! Banks in 10.0% ID (16) 5.0% - @ All Com'l Banks in US between $300M & $500 M 0.0% (699) 2006 2007 2008 2009 2010 (1) Source: FDIC
Slide 13: Liquidity
Liquidity Cash + Investments divided by Total Assets 9 40% wINB 35% — Optimum liquidity is Between 15% to 20%. 30% @ All Com'l Banks in 25% WA\(65) 20% All Com'l Banks in 15% © ID (16) 10% BAIl Com'l Banks in 5% US between 0% - - I al ; | $300M & $500 M 2006 2007 2008 2009 2010 (698) (1) Source: FDI
Slide 14: INB's Loan Pipeline
INB's Loan Pipeline 000's omitted as of March 31st each year $50,000 $45,000 $44,152 $40,000 $35,000 $30,000 $28,327 $19,903 $25,000 $20,000 +$47.093 $15,000 | | __ $14,494 $14,016 $10,000 ) $6,433 $5,000 | a $0 : : : : 2005 2006 2007 2008 2009 2010 2011
Slide 15: Leverage Ratio
Leverage Ratio Core Capital divided by Total Assets 12.0% a|NB 11.0% Leverage Capital Ratio Is highest in fi ‘ 40.0% Is highest in five years. 9.0% t/A|l Com'| Banks 8.0% in WA(65) 0% 7.0% 9) tl All Com'l Banks 8.0% in ID (16) 5.0% 9) 40% All Com'| Banks 3.0% in US between 2.0% $300M & $500 M (699)
Slide 16: Total Risk-based Capital Ratio
Total Risk-based Capital Ratio 18.0% ia INB 16.0% 14.0% il Com'l Banks in 12.0% WA(65) 10.0% tal All Com'l Banks in ID 8.0% (16) 6.0% 4.0% til Com'l Banks in US between 2.0% $300M & $500 M (699) 0.0% FDIC requirement to 2006 2007 2008 2009 2010 be "well-capitalized" (1) Source: FDIC
Slide 17: Return on Equity
Return on Equity 2006 2007 2008 2009 2010 20.0% . : pas 10.0% 5 @irAll Com'l Banks 0.0% in WA (65) -10.0% teAll Com'l Banks "900% in ID (16) -30.0% ©All Com'l Banks 7 9 in US between 40.0% $300M & $500 M (699) -50.0% (1) Source: FDIC
Slide 18: Year Price - NBCT
quotemedia.com 1 Year Price - NBCT May 9, 2011
Slide 19: Northwest Bancorporation, Inc.
Northwest Bancorporation, Inc. Twenty-second Annual Meeting of Shareholders May 16, 2011
Northwest Bancorporation — Shareholder Meeting (May 2011) on 6ix