# FIRST WESTERN BANK&TRUST
EDEN PRAIRIE, MN · FDIC certificate 58254 · asset band <$300M · latest filing 2011-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $43.1M | |
| Deposits | $32.2M | |
| Loans and leases | $31.2M | |
| Total equity | $9.6M | |
| Loans / deposits | 95.52% (p92 of band) | 71.80% |
| Liquid assets / assets | 20.70% (p20 of band) | |
| Uninsured deposits / deposits | 9.52% (p59 of band) | 7.92% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.32% (p48 of band) | |
| FHLB advances / assets | 2.32% | |
| Tier 1 leverage | 22.35% (p97 of band) | 9.80% |
| Unrealized securities loss / equity | 0.00% (p12 of band) | 2.62% |
| AOCI / equity | 0.00% (p15 of band) | |
| ROA (annualized) | 0.22% (p24 of band) | 0.68% |
| Net interest margin | 3.57% (p34 of band) | 3.84% |
| Efficiency ratio | 80.93% (p66 of band) | |
| Noncurrent loans | 1.98% (p58 of band) | 1.53% |
| Net charge-offs (annualized) | 0.79% (p86 of band) | |
| Reserve coverage of noncurrent | 74.60% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 14.48% (p45 of band) | |
| Auto loans | $8,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 7 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | charge-offs p90 |

## In the news (Google News, unfiltered, newest first; check the city)

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58254 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/14.json (key "58254", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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