First Western Bank & Trust

First Western Bank & Trust is headquartered in Minot and is the 10^st largest bank in the state of North Dakota. It is also the 861^st largest bank in the nation. It was established in 1964 and as of March of 2012, it had grown to 121 employees at 4 locations. First Western Bank & Trust's money market rates are 36% higher than the national average, and it boasts a 5-star health rating.

First Western Bank & Trust Routing Number: 091310440

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Data for Q1 2012

Institution Statistics First Western Bank & Trust FDIC Certificate # 19123 BankRate Report View Year Established 1964 Employees 121 Primary Regulator FED Assets and Liabilities Assets $768.45 million Loans $350.22 million Deposits $632.44 million Equity Capital $70.81 million Loan Loss Allowance $4.97 million Unbacked Noncurrent Loans $2.06 million Real Estate Owned $1.65 million Historic Data - March 2011 Assets $636.82 million Equity Capital $55.59 million Loan Loss Allowance $3.71 million Unbacked Noncurrent Loans $1.27 million Real Estate Owned $1.08 million Profit Margin - Quarterly Net Interest Margin 3.25% Return on Assets 0.69% Return on Equity 7.23% Interest Income $7.18 million

Institution Health Overall Score: 5 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 March 31, 2012 First Western Bank & Trust had $3.71 million in non-current loans and owned real-estate with $75.78 million in equity and loan loss allowances on hand to cover it. This gives First Western Bank & Trust a Texas Ratio of 4.90% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First Western Bank & Trust held steady from 3.96% as of March 31, 2011 to 4.90% as of March 31, 2012, resulting in a negative change of 23.60%. This indicates that the balance sheet and financial strength for First Western Bank & Trust has held steady in recent periods. Deposit Growth In the past year, First Western Bank & Trust has increased its total deposits by $124.98 million, resulting in 24.63% 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 First Western Bank & Trust 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. First Western Bank & Trust has $768.45 million in assets with $75.78 million in equity, resulting in a capitalization level of 9.86%, which is average.

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