First Westroads Bank, Inc.

First Westroads Bank, Inc. is headquartered in Omaha and is the 50^th largest bank in the state of Nebraska. It is also the 2,996^th largest bank in the nation. It was established in 1967 and as of March of 2012, it had grown to 46 employees at 2 locations. First Westroads Bank, Inc. has a 5-star health rating.

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Data for Q1 2012

Institution Statistics First Westroads Bank, Inc. FDIC Certificate # 19742 BankRate Report View Year Established 1967 Employees 46 Primary Regulator FED Assets and Liabilities Assets $210.44 million Loans $156.58 million Deposits $180.26 million Equity Capital $24.25 million Loan Loss Allowance $2.40 million Unbacked Noncurrent Loans $789,000 Real Estate Owned $904,000 Historic Data - March 2011 Assets $191.56 million Equity Capital $21.88 million Loan Loss Allowance $2.71 million Unbacked Noncurrent Loans $2.02 million Real Estate Owned $1.99 million Profit Margin - Quarterly Net Interest Margin 4.52% Return on Assets 1.66% Return on Equity 14.47% Interest Income $2.49 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 Westroads Bank, Inc. had $1.69 million in non-current loans and owned real-estate with $26.65 million in equity and loan loss allowances on hand to cover it. This gives First Westroads Bank, Inc. a Texas Ratio of 6.35% 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 Westroads Bank, Inc. decreased significantly from 16.30% as of March 31, 2011 to 6.35% as of March 31, 2012, resulting in a positive change of 61.02%.This indicates that the balance sheet and financial strength for First Westroads Bank, Inc. has improved significantly in recent periods. Deposit Growth In the past year, First Westroads Bank, Inc. has increased its total deposits by $17.59 million, resulting in 10.81% 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 Westroads Bank, Inc. 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 Westroads Bank, Inc. has $210.44 million in assets with $26.65 million in equity, resulting in a capitalization level of 12.66%, which is excellent.

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