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Bank of the Southwest

Dodge City, KS · Cert 20704

FDIC

Q1 1997

$57.5MAssets
$40.4MLoans
$51.8MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.18%, down 89 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 77.95% of deposits as of Q1 1997.

Return on Assets (YTD, annualized)

0.18%-89 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997YoY ΔTrend
Earnings
Return on Assets1.16%1.33%1.36%1.07%1.13%1.19%1.33%0.18%-89 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)6.16%11.51%14.58%24.10%19.51%15.54%10.77%6.15%-1,796 bps
Loan Growth (YoY)27.92%30.43%21.80%22.17%20.90%22.14%14.53%11.82%-1,035 bps
Deposit Growth (YoY)5.42%9.71%18.04%23.58%19.03%15.35%10.97%6.02%-1,756 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits76.23%77.50%75.18%73.91%77.43%82.06%77.59%77.95%+405 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a