PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Southwest Bank of St. Louis

Saint Louis, MO · Cert 1081

FDIC

Q2 2010

$5.4BAssets
$3.0BLoans
$4.3BDeposits
$913.9MEquity
Loan mix
40%RE $0.9B59%C&I $1.4B1%Consumer $0.0BQ2 2009Q2 2010
Deposit mix
91%Interest-bearing $3.9B9%Noninterest $0.4BQ2 2009Q2 2010

NIM

4.60%Q2 ’083.37%Q2 ’093.34%Q2 ’10-13%+4%

Non-interest income vs. expense

1.19%Q2 ’081.18%Q2 ’091.36%Q2 ’10+1%+20%

Executive Summary

  • Earnings: ROA of -0.16%, down 51 bps year over year; NIM at 2.22%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.12%.
  • Funding: loans stand at 69.18% of deposits as of Q2 2010.

Financial Results

Return on Assets (YTD, annualized)

-0.16%-51 bps YoY

Net Interest Margin (YTD, annualized)

2.22%+8 bps YoY

Efficiency Ratio (YTD, annualized)

52.84%+600 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2009Q3 2009Q4 2009Q1 2010Q2 2010YoY ΔTrend
Earnings
Return on Assets0.34%0.37%0.32%0.24%-0.16%-51 bps
Return on Equity2.45%2.61%2.25%1.58%-1.03%-347 bps
Net Interest Margin2.14%2.03%2.08%2.08%2.22%+8 bps
Efficiency Ratio46.84%47.27%46.84%55.19%52.84%+600 bps
Non-Interest Burden0.95%0.92%0.93%1.13%1.14%+19 bps
Growth
Asset Growth (YoY)11.88%4.94%-0.06%-9.60%-16.16%-2,805 bps
Loan Growth (YoY)-0.94%-0.59%-3.83%-6.68%-8.31%-737 bps
Deposit Growth (YoY)16.45%5.96%0.88%0.24%-18.04%-3,449 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.08%0.97%1.50%3.31%2.12%+104 bps
Allowance / Loans1.62%1.59%1.52%1.06%1.85%+23 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital12.46%12.68%13.31%13.51%14.43%+196 bps
Equity / Assets14.05%14.13%14.83%15.55%17.00%+295 bps
Liquidity & Funding
Loans / Deposits61.85%63.27%63.08%63.13%69.18%+734 bps
Liquid Assets / Assets3.93%4.26%5.42%5.64%0.93%-300 bps
CRE / Total Capitaln/an/an/an/an/an/an/a