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Bank of the Southwest of Dallas

Dallas, TX · Cert 19258

FDIC

Q4 2002

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2002, the quarter ended December 31, 2002, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of the Southwest of Dallas

Dallas, TX · Cert 19258

FDIC

Q4 2002

$121.7MAssets
$56.8MLoans
$106.9MDeposits
$14.6MEquity
Deposit mix
81%Interest-bearing $86.4M19%Noninterest $20.5MQ4 2001Q4 2002

NIM

7.07%Q1 ’016.51%Q4 ’015.19%Q4 ’02-6%-14%

Non-interest income vs. expense

3.36%Q1 ’013.34%Q4 ’013.19%Q4 ’02-2%-8%

Executive Summary

  • Earnings: ROA of 0.73%, down 33 bps year over year; NIM at 3.41%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.59%.
  • Funding: loans stand at 53.16% of deposits as of Q4 2002.

Financial Results

Return on Assets (YTD, annualized)

0.73%-33 bps YoY

Net Interest Margin (YTD, annualized)

3.41%-56 bps YoY

Efficiency Ratio (YTD, annualized)

71.24%+413 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2001Q1 2002Q2 2002Q3 2002Q4 2002YoY ΔTrend
Earnings
Return on Assets1.06%0.68%0.91%0.83%0.73%-33 bps
Return on Equityn/a6.10%8.12%7.57%6.51%n/a
Net Interest Margin3.97%3.44%3.63%3.52%3.41%-56 bps
Efficiency Ratio67.12%74.33%68.26%69.58%71.24%+413 bps
Non-Interest Burden2.33%2.31%2.17%2.15%2.14%-19 bps
Growth
Asset Growth (YoY)3.82%3.61%8.63%-1.81%-2.22%-604 bps
Loan Growth (YoY)6.54%6.16%9.15%10.14%4.51%-204 bps
Deposit Growth (YoY)3.15%3.36%8.57%-0.69%-3.02%-617 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.09%0.30%0.17%0.21%0.59%+51 bps
Allowance / Loans1.63%1.61%1.60%1.50%1.18%-45 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 Capital20.63%20.21%20.24%18.62%15.15%-548 bps
Equity / Assets11.15%11.08%11.32%10.31%11.97%+82 bps
Liquidity & Funding
Loans / Deposits49.33%48.58%49.23%53.93%53.16%+383 bps
Liquid Assets / Assets10.74%8.97%7.74%6.97%4.44%-630 bps
CRE / Total Capitaln/an/an/an/an/an/an/a