Big Sky Western Bank

Big Sky Western Bank is headquartered in Bozeman and is the 12^st largest bank in the state of Montana. It is also the 1,712^st largest bank in the nation. It was established in 1990 and as of December of 2011, it had grown to 89 employees at 5 locations. Big Sky Western Bank has a 4-star health rating.

Data for Q4 2011

Institution Statistics Big Sky Western Bank FDIC Certificate # 32871 BankRate Report View Year Established 1990 Employees 89 Primary Regulator FDIC Assets and Liabilities Assets $386.17 million Loans $220.78 million Deposits $221.54 million Equity Capital $67.65 million Loan Loss Allowance $8.86 million Unbacked Noncurrent Loans $11.55 million Real Estate Owned $7.84 million Historic Data - December 2010 Assets $362.21 million Equity Capital $64.66 million Loan Loss Allowance $9.96 million Unbacked Noncurrent Loans $10.07 million Real Estate Owned $8.53 million Profit Margin - Quarterly Net Interest Margin 4.16% Return on Assets 1% Return on Equity 5.59% Interest Income $15.60 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Big Sky Western Bank had $19.38 million in non-current loans and owned real-estate with $76.51 million in equity and loan loss allowances on hand to cover it. This gives Big Sky Western Bank a Texas Ratio of 25.33% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Big Sky Western Bank held steady from 24.92% as of December 31, 2010 to 25.33% as of December 31, 2011, resulting in a negative change of 1.66%. This indicates that the balance sheet and financial strength for Big Sky Western Bank has held steady in recent periods. Deposit Growth In the past year, Big Sky Western Bank has increased its total deposits by $21.94 million, resulting in 10.99% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Big Sky Western Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Big Sky Western Bank has $386.17 million in assets with $76.51 million in equity, resulting in a capitalization level of 19.81%, which is excellent.

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