First Western Trust Bank Mortgage Rates, Fees & Info

Denver, CO

LEI: 254900KI7219LQKCI772

Tax ID: 27-0083757

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Mortgage Data

Bank Data

Review & Overview

First Western Trust Bank is a smaller bank specializing in Home Purchase loans. First Western Trust Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Denver, Fort Collins, Greeley, Phoenix, and Boulder among others. We have data for 61 markets. (Some data included below & more in-depth data is available with an active subscription.)

First Western Trust Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. First Western Trust Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.27% 4/22/24
30 Year Conventional Refi 6.25% 4/22/24
30 Year Cash-out Refi 6.26% 4/22/24
30 Year FHA Purchase 7.23% 4/22/24
30 Year FHA Refi 6.27% 4/22/24
30 Year VA Purchase 6.16% 4/22/24
30 Year VA Refi 6.08% 4/22/24
30 Year USDA Purchase 6.45% 4/22/24
15 Year Conventional Purchase 5.68% 4/22/24
15 Year Conventional Refi 5.86% 4/22/24
15 Year Cash-out Refi 5.86% 4/22/24
15 Year FHA Refi 6.65% 4/22/24
15 Year VA Purchase 5.56% 4/22/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

First Western Trust Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from First Western Trust Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

1,032

Origination Dollar Volume (All Markets)

$414,780,000

Employee count

238 Show all (10) awards

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 591 $244,815,000 $414,239 $3,776 4.49%
FORT COLLINS, CO (FHA|USDA|VA) 148 $46,580,000 $314,730 $3,795 4.66%
GREELEY, CO (FHA|USDA|VA) 72 $22,860,000 $317,500 $4,380 4.66%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 38 $19,930,000 $524,474 $4,745 4.89%
BOULDER, CO (FHA|USDA|VA) 33 $18,975,000 $575,000 $4,188 4.48%
Jackson, WY-ID (FHA|USDA|VA) 10 $8,370,000 $837,000 $4,484 4.25%
Outside of Metro Areas 25 $6,505,000 $260,200 $3,578 4.55%
Glenwood Springs, CO (FHA|USDA|VA) 7 $6,205,000 $886,429 $5,392 4.84%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 7 $5,455,000 $779,286 $5,606 4.57%
Edwards, CO (FHA|USDA|VA) 5 $3,975,000 $795,000 $3,245 4.18%
Breckenridge, CO (FHA|USDA|VA) 8 $3,830,000 $478,750 $2,646 4.41%
COLORADO SPRINGS, CO (FHA|USDA|VA) 11 $3,005,000 $273,182 $4,885 4.59%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 4 $2,080,000 $520,000 $4,408 4.56%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 4 $1,750,000 $437,500 $5,447 4.38%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 3 $1,445,000 $481,667 $4,723 4.58%
CASPER, WY (FHA|USDA|VA) 7 $1,425,000 $203,571 $5,135 4.02%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 2 $1,370,000 $685,000 $5,202 4.69%
KANSAS CITY, MO-KS (FHA|USDA|VA) 3 $1,305,000 $435,000 $2,534 4.71%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 2 $1,290,000 $645,000 $4,893 4.31%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 2 $1,140,000 $570,000 $4,999 5.31%
Bozeman, MT (FHA|USDA|VA) 4 $1,110,000 $277,500 $3,864 4.56%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 3 $845,000 $281,667 $4,380 4.21%
CHEYENNE, WY (FHA|USDA|VA) 3 $735,000 $245,000 $5,220 4.38%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $615,000 $615,000 $3,190 4.25%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $575,000 $575,000 $1,822 4.25%
TUCSON, AZ (FHA|USDA|VA) 2 $500,000 $250,000 $3,499 4.69%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $445,000 $445,000 $3,611 4.50%
SALINAS, CA (FHA|USDA|VA) 1 $415,000 $415,000 $3,178 4.63%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $375,000 $375,000 $4,110 4.50%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1 $375,000 $375,000 $3,184 4.88%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $345,000 $345,000 $0 5.00%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $335,000 $335,000 $3,639 4.75%
OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $325,000 $325,000 $7,278 4.50%
Steamboat Springs, CO (FHA|USDA|VA) 1 $315,000 $315,000 $2,849 4.00%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $275,000 $275,000 $6,182 4.13%
FARMINGTON, NM (FHA|USDA|VA) 1 $275,000 $275,000 $2,986 4.88%
MONTGOMERY, AL (FHA|USDA|VA) 1 $275,000 $275,000 $2,173 4.25%
Sterling, CO (FHA|USDA|VA) 1 $265,000 $265,000 $2,712 4.75%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 1 $245,000 $245,000 $6,141 4.38%
Dickinson, ND (FHA|USDA|VA) 1 $245,000 $245,000 $2,544 4.63%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $235,000 $235,000 $3,043 5.13%
MANHATTAN, KS (FHA|USDA|VA) 2 $230,000 $115,000 $2,275 4.81%
LAS CRUCES, NM (FHA|USDA|VA) 1 $215,000 $215,000 $2,044 4.13%
TOLEDO, OH (FHA|USDA|VA) 1 $215,000 $215,000 $0 5.75%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $205,000 $205,000 $1,962 4.63%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $195,000 $195,000 $2,950 3.88%
KNOXVILLE, TN (FHA|USDA|VA) 1 $195,000 $195,000 $4,306 4.50%
Heber, UT (FHA|USDA|VA) 1 $195,000 $195,000 $0 5.13%
Bonham, TX (FHA|USDA|VA) 1 $185,000 $185,000 $2,410 4.63%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $175,000 $175,000 $4,601 4.38%
RAPID CITY, SD (FHA|USDA|VA) 1 $175,000 $175,000 $2,359 4.50%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $165,000 $165,000 $4,282 4.75%
ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $165,000 $165,000 $2,885 4.50%
Brevard, NC (FHA|USDA|VA) 1 $155,000 $155,000 $3,182 4.75%
ALBUQUERQUE, NM (FHA|USDA|VA) 1 $145,000 $145,000 $3,227 4.38%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $135,000 $135,000 $0 5.38%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $125,000 $125,000 $2,799 4.63%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $125,000 $125,000 $0 4.88%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $115,000 $115,000 $1,400 4.75%
CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $115,000 $115,000 $3,245 5.00%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $115,000 $115,000 $0 4.88%
First Western Trust Bank's top markets include Denver, Fort Collins, Greeley, Phoenix, and Boulder among others.

Their top states include:
  • Colorado (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Wyoming (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 927 $373,875,000 $403,317 $3,432 4.57%
    VA 53 $24,355,000 $459,528 $6,816 4.23%
    FHA 51 $16,365,000 $320,882 $8,524 4.42%
    USDA 1 $185,000 $185,000 $4,503 4.50%

    For 2018, First Western Trust Bank's most frequently originated type of loan was Conventional, with 927 originations. Their 2nd most popular type was VA, with 53 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 815 $321,425,000 $394,387 $3,944 4.56%
    Cash Out Refi 110 $41,240,000 $374,909 $3,821 4.59%
    Refi 71 $37,955,000 $534,577 $3,603 4.42%
    Home Improvement 18 $7,930,000 $440,556 $4,593 4.58%
    Other 18 $6,230,000 $346,111 $2,865 4.44%

    For 2018, First Western Trust Bank's most frequently cited loan purpose was Home Purchase, with 815 originations. The 2nd most popular reason was Cash Out Refi, with 110 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 932 $375,830,000 $403,251 $3,973 4.55%
    Other 38 $15,750,000 $414,474 $3,172 4.72%
    15 Year 35 $9,675,000 $276,429 $3,039 4.11%
    20 Year 14 $3,350,000 $239,286 $2,764 4.36%
    5 Year 10 $9,350,000 $935,000 $16,620 5.38%
    10 Year 3 $825,000 $275,000 $3,099 4.54%

    For 2018, First Western Trust Bank's most frequently cited loan duration was 30 Year, with 932 originations. The 2nd most popular length was Other, with 38 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 633 $265,065,000 $418,744
    $1k-2k 112 $36,840,000 $328,929
    $2k-3k 37 $14,725,000 $397,973
    $3k-4k 19 $7,195,000 $378,684
    $5k+ 17 $11,965,000 $703,824
    $4k-5k 13 $4,575,000 $351,923

    First Western Trust Bank's average total fees were $3,973, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 633 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 814 $317,540,000 $390,098
    3-4% 130 $69,980,000 $538,308
    5-6% 85 $25,645,000 $301,706
    6-7% 3 $1,615,000 $538,333

    During 2018, First Western Trust Bank's average interest rate for loans was 4.55%, while their most frequently originated rate bucket for loans was 4-5%, with 814 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 539 $162,225,000 $300,974 $3,792 4.61%
    $400k-600k 281 $130,925,000 $465,925 $3,954 4.50%
    $100k-200k 105 $16,185,000 $154,143 $3,226 4.65%
    $600k-1MM 63 $47,135,000 $748,175 $4,003 4.31%
    $1MM+ 36 $57,700,000 $1,602,778 $6,994 4.30%
    $100,000 or less 8 $610,000 $76,250 $2,514 4.20%

    2018 saw First Western Trust Bank place emphasis on $200k-400k loans with 539 originations, totaling $162,225,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 283 $105,335,000 $372,208 $4,000 4.57%
    $150k-250k 207 $82,475,000 $398,430 $3,407 4.56%
    $75k-100k 178 $55,670,000 $312,753 $4,031 4.58%
    $50k-75k 160 $42,810,000 $267,563 $3,910 4.57%
    $250k+ 149 $113,965,000 $764,866 $4,429 4.38%
    $50k or less 47 $9,035,000 $192,234 $3,374 4.57%

    First Western Trust Bank lent most frequently to those with incomes in the $100k-150k range, with 283 originations. The second most popular income band? $150k-250k, with 207 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 217 $91,865,000 $423,341 $3,560 4.46%
    30-36% 171 $67,525,000 $394,883 $3,823 4.55%
    <20% 64 $24,080,000 $376,250 $3,269 4.37%
    43% 47 $20,925,000 $445,213 $3,675 4.56%
    42% 44 $16,270,000 $369,773 $3,575 4.62%
    38% 44 $16,860,000 $383,182 $4,367 4.51%
    45% 44 $16,420,000 $373,182 $3,353 4.56%
    37% 42 $18,300,000 $435,714 $3,966 4.66%
    49% 41 $14,275,000 $348,171 $3,759 4.64%
    39% 40 $15,030,000 $375,750 $3,774 4.57%
    44% 38 $11,900,000 $313,158 $3,554 4.71%
    41% 36 $15,250,000 $423,611 $4,542 4.59%
    36% 35 $14,555,000 $415,857 $4,145 4.45%
    46% 34 $11,660,000 $342,941 $4,424 4.52%
    40% 34 $17,410,000 $512,059 $4,664 4.64%
    47% 32 $9,650,000 $301,563 $3,914 4.78%
    48% 27 $9,595,000 $355,370 $4,871 4.63%
    50-60% 26 $10,990,000 $422,692 $6,277 4.36%
    >60% 8 $6,730,000 $841,250 $5,517 4.34%

    First Western Trust Bank lent most frequently to those with DTI ratios of 20-30%, with 217 originations. The next most common DTI ratio? 30-36%, with 171 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 894 $360,860,000 $403,647 $3,901 4.54%
    Asian 80 $32,230,000 $402,875 $3,211 4.41%
    Not provided 32 $9,330,000 $291,563 $4,986 4.80%
    Not applicable 8 $5,490,000 $686,250 $0 5.53%
    Asian Indian 6 $2,480,000 $413,333 $4,236 4.50%
    Black 5 $1,205,000 $241,000 $4,682 4.88%
    Korean 1 $1,005,000 $1,005,000 $25,016 4.25%
    Filipino 1 $705,000 $705,000 $3,024 4.63%
    American Indian 2 $520,000 $260,000 $3,392 4.81%
    Chinese 1 $435,000 $435,000 $4,167 4.50%
    Samoan 1 $325,000 $325,000 $0 5.25%
    Native Hawaiian or Islander 1 $195,000 $195,000 $6,999 4.13%

    Approval Rates

    Total approvals of all applications
    96.41%

    First Western Trust Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    74.71%

    First Western Trust Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,032 $414,780,000 $401,919

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 1 $245,000 $245,000
    Single Family (1-4 Units):Site-Built 1,031 $414,535,000 $402,071

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 54 $16,490,000 $305,370 $3,211 4.37%
    40-60% 117 $45,215,000 $386,453 $3,541 4.43%
    60-80% 446 $193,050,000 $432,848 $3,574 4.65%
    80-100% 396 $153,850,000 $388,510 $4,230 4.52%
    Over 100% 11 $3,775,000 $343,182 $10,344 4.31%
    Under 20% 8 $2,400,000 $300,000 $3,661 4.03%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    FIRST HORIZON BANK Other type of mortgage Trouble during payment process 1 7.1%
    FIRST HORIZON BANK Conventional home mortgage Struggling to pay mortgage 3 21.4%
    FIRST HORIZON BANK Conventional home mortgage Trouble during payment process 5 35.7%
    FIRST HORIZON BANK Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 7.1%
    FIRST HORIZON BANK FHA mortgage Trouble during payment process 1 7.1%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Incorrect information on your report 1 7.1%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Problem with a credit reporting company's investigation into an existing problem 1 7.1%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Trouble during payment process 1 7.1%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    First Western Trust Bank 1155 Canyon Boulevard, Suite 300 Boulder, CO 80302 Full Service B&M $84,784
    First Western Trust Bank 1900 16th Street, Suite 1200 Denver, CO 80202 Full Service B&M $237,188
    First Western Trust Bank 1900 Avenue Of The Stars, Suite 900 Los Angeles, CA 90067 Limited, Trust Office $0
    First Western Trust Bank 201 North Mill Street Aspen, CO 81611 Full Service B&M $33,393
    First Western Trust Bank 233 Milwaukee Street Denver, CO 80206 Full Service B&M $86,223
    First Western Trust Bank 2425 E. Camelback Rd., Ste 100 Phoenix, AZ 85016 Full Service B&M $50,081
    First Western Trust Bank 3003 East Harmony Road, Suite 200 Fort Collins, CO 80528 Full Service B&M $167,968
    First Western Trust Bank 6501 East Belleview Avenue, Suite 200 Englewood, CO 80111 Full Service B&M $48,743
    First Western Trust Bank 690 S. Us Hwy 89, Suite 260 Jackson, WY 83001 Full Service Retail $68,810
    First Western Trust Bank 7025 N Scottsdale Rd Scottsdale, AZ 85253 Full Service B&M $76,098

    For 2018, First Western Trust Bank had 10 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $39,739
    Net interest income $32,360
    Total noninterest income $27,933
    Gross Fiduciary activities income $15,829
    Service charges on deposit accounts $955
    Trading account gains and fees $0
    Additional Noninterest Income $11,149
    Pre-tax net operating income $8,957
    Securities gains (or losses, -) $-15
    Income before extraordinary items $6,925
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $6,925
    Minority interest net income $0
    Net income $6,925
    Sale, conversion, retirement of capital stock, net $1,843
    Net operating income $6,936

    First Western Trust Bank's gross interest income from loans was $39,739,000.
    First Western Trust Bank's net interest income from loans was $32,360,000.
    First Western Trust Bank's fee based income from loans was $955,000.
    First Western Trust Bank's net income from loans was $6,925,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $7,379
    Provision for credit losses $180
    Total noninterest expense $51,156
    Salaries and employee benefits $32,323
    Premises and equipment expense $6,743
    Additional noninterest expense $12,090
    Applicable income taxes $2,017
    Net charge-offs $16
    Cash dividends $0

    First Western Trust Bank's interest expense for loans was $7,379,000.
    First Western Trust Bank's payroll and benefits expense were $32,323,000.
    First Western Trust Bank's property, plant and equipment expenses $6,743,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 1.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 7.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $947,894
    Deposits held in domestic offices $947,894
    Deposits by Individuals, partnerships, and corporations $868,039
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $73,397
    Deposits by Commercial banks and other depository institutions in U.S. $6,458
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $277,845
    Demand deposits $212,992
    Nontransaction accounts $670,049
    Money market deposit accounts (MMDAs) $489,505
    Other savings deposits (excluding MMDAs) $1,801
    Total time deposits $178,743
    Total time and savings deposits $734,902
    Noninterest-bearing deposits $212,992
    Interest-bearing deposits $734,902
    Retail deposits $818,460
    IRAs and Keogh plan accounts $1,186
    Brokered deposits $45,884
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,071,979
    Cash & Balances due from depository institutions $73,356
    Interest-bearing balances $68,505
    Total securities $44,388
    Federal funds sold & reverse repurchase $0
    Net loans and leases $898,361
    Loan and leases loss allowance $7,451
    Trading account assets $0
    Bank premises and fixed assets $4,916
    Other real estate owned $658
    Goodwill and other intangibles $16,215
    All other assets $34,085

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,071,979
    Total Liabilities $970,710
    Total deposits $947,894
    Interest-bearing deposits $734,902
    Deposits held in domestic offices $947,894
    % insured (estimated) $64
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $15,000
    Subordinated debt $0
    All other liabilities $7,816

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $898,361
    Loan and leases loss allowance $7,451
    Total loans and leases (domestic) $905,812
    All real estate loans $674,693
    Real estate loans in domestic offices $674,693
    Construction and development loans $31,541
    Residential 1-4 family construction $18,055
    Other construction, all land development and other land $13,486
    Loans secured by nonfarm nonresidential properties $263,133
    Nonfarm nonresidential secured by owner-occupied properties $108,327
    Commercial real estate & other non-farm, non-residential $154,806
    Multifamily residential real estate $18,693
    1-4 family residential loans $361,085
    Farmland loans $241
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $168,302
    To non-U.S. addressees $0
    Loans to individuals $62,817
    Credit card loans $0
    Related Plans $36,677
    Consumer Auto Loans $0
    Other loans to individuals $26,140
    All other loans & leases $0
    Loans to foreign governments and official institutions $0
    Other loans $0
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $4,862
    Non 1-4 family restructured loans & leases $4,862
    Total loans and leases (foreign) $0

    First Western Trust Bank had $898,361,000 of loans outstanding in 2018. $674,693,000 of loans were in real estate loans. $31,541,000 of loans were in development loans. $18,693,000 of loans were in multifamily mortgage loans. $361,085,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $0 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 67 $30,199 $450,731
    Nonfarm, nonresidential loans - <$100k 3 $265 $88,333
    Nonfarm, nonresidential loans - $100-250k 10 $1,879 $187,900
    Nonfarm, nonresidential loans - $250k-1MM 54 $28,055 $519,537
    Commercial & Industrial, US addressed loans - <$1MM 141 $33,688 $238,922
    Commercial & Industrial, US addressed loans - <$100k 48 $1,695 $35,313
    Commercial & Industrial, US addressed loans - $100-250k 41 $6,483 $158,122
    Commercial & Industrial, US addressed loans - $250k-1MM 52 $25,510 $490,577
    Farmland loans - <$1MM 1 $241 $241,000
    Farmland loans - $100-250k 1 $241 $241,000