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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

4.54%Q2 ’083.36%Q2 ’093.25%Q2 ’10-12%+3%

Non-interest income vs. expense

1.22%Q2 ’081.34%Q2 ’091.29%Q2 ’10+11%-8%

Executive Summary

  • Earnings: ROA of -0.59%, down 78 bps year over year; NIM at 2.17%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.84%.
  • Funding: loans stand at 69.18% of deposits as of Q2 2010.

Financial Results

Return on Assets (quarter, annualized)

-0.59%-78 bps YoY

Net Interest Margin (quarter, annualized)

2.17%+7 bps YoY

Efficiency Ratio (quarter, annualized)

50.45%-442 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2009Q3 2009Q4 2009Q1 2010Q2 2010YoY ΔTrend
Earnings
Return on Assets0.20%0.41%0.17%10.24%-0.59%-78 bps
Return on Equity1.40%2.94%1.16%1.58%-3.63%-503 bps
Net Interest Margin2.10%2.02%2.10%2.08%2.17%+7 bps
Efficiency Ratio54.87%48.13%45.55%55.19%50.45%-442 bps
Non-Interest Burden1.13%0.94%0.93%1.13%1.04%-9 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 / Loans1.01%0.79%3.00%3.31%0.84%-16 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