First Western Bank

First Western Bank is headquartered in Booneville and is the 38^th largest bank in the state of Arkansas. It is also the 2,318^st largest bank in the nation. It was established in 1910 and as of March of 2012, it had grown to 92 employees at 9 locations. First Western Bank's savings rates are 12X the national average, and it has a 3-star health rating.

First Western Bank Checking Account Rates

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First Western Bank Money Market Rates

Data for Q1 2012

Institution Statistics First Western Bank FDIC Certificate # 13083 BankRate Report View Year Established 1910 Employees 92 Primary Regulator FDIC Assets and Liabilities Assets $279.05 million Loans $201.98 million Deposits $250.56 million Equity Capital $24.63 million Loan Loss Allowance $1.93 million Unbacked Noncurrent Loans $929,000 Real Estate Owned $9.75 million Historic Data - March 2011 Assets $274.96 million Equity Capital $23.38 million Loan Loss Allowance $2.34 million Unbacked Noncurrent Loans $1.58 million Real Estate Owned $10.97 million Profit Margin - Quarterly Net Interest Margin 4.69% Return on Assets 0.86% Return on Equity 9.84% Interest Income $3.55 million

Institution Health Overall Score: 3 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 had $10.68 million in non-current loans and owned real-estate with $26.56 million in equity and loan loss allowances on hand to cover it. This gives First Western Bank a Texas Ratio of 40.19% which is below average. 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 decreased slightly from 48.80% as of March 31, 2011 to 40.19% as of March 31, 2012, resulting in a positive change of 17.65%.This indicates that the balance sheet and financial strength for First Western Bank has improved slightly in recent periods. Deposit Growth In the past year, First Western Bank has increased its total deposits by $2.36 million, resulting in 0.95% 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 has shown is average. 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 has $279.05 million in assets with $26.56 million in equity, resulting in a capitalization level of 9.52%, which is average.

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