8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): May 3, 2005

AMERICANWEST BANCORPORATION

(Exact name of registrant as specified in its charter)

Washington	0-18561	91-1259511
(State or other jurisdiction of incorporation or organization)	(Commission File Number)	(I.R.S. Employer Identification No.)

41 West Riverside Avenue, Suite 400

Spokane, Washington 99301

(Address and telephone number of principal executive offices) (Zip Code)

(509) 467-6993

(Registrant’s telephone number, including area code)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

¨ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

¨ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

¨ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

¨ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Section 7 - Regulation FD

Item 7.01 Regulation FD Disclosure

On May 3, 2005, AmericanWest Bancorporation made a presentation at the D.A. Davidson Financial Services Conference in Seattle, Washington. A slide presentation presented at the conference and included as Exhibit 99.1 is furnished pursuant to Regulation FD.

Section 9 - Financial Statements and Exhibits

Item 9.01 Financial Statements and Exhibits.

Exhibit No.	Exhibit Description
99.1	AmericanWest Bancorporation’s Slide Presentation for May 3, 2005 at D.A. Davidson’s Financial Services Conference.

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	AMERICANWEST BANCORPORATION, a Washington Corporation
Dated: May 3, 2005	/s/ C. Tim Cassels
	C. Tim Cassels,
	Executive Vice President and Chief Financial Officer

EX-99.1

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