Southwest Bank of Texas, N.A.

Houston, TX · Cert 24107

FDIC · 83 branches

Q3 2015

$13.9BAssets

$10.0BLoans

$11.0BDeposits

$2.3BEquity

Deposit mix

NIM

Market Position · Houston-The Woodlands-Sugar Land, TX · 2015 SOD (annual) · 4.6% share · #5 of 103 inst. · $9.9B of $215.2B

4.4% Harris

8.2% Montgomery

6.3% Fort Bend

0.4% Dallas

Earnings: ROA of 0.27%, down 86 bps year over year; NIM at 2.93%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.74%.
Funding: loans stand at 90.89% of deposits as of Q3 2015.

Return on Assets (quarter, annualized)

0.27%-86 bps YoY

Net Interest Margin (quarter, annualized)

2.93%+10 bps YoY

Efficiency Ratio (quarter, annualized)

65.39%+742 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q3 2014	Q4 2014	Q1 2015	Q2 2015	Q3 2015	YoY Δ	Trend
Earnings
Return on Assets	1.13%	0.24%	0.49%	0.44%	0.27%	-86 bps
Return on Equity	6.86%	1.51%	3.06%	2.66%	1.63%	-522 bps
Net Interest Margin	2.84%	2.79%	2.83%	2.84%	2.93%	+10 bps
Efficiency Ratio	57.97%	72.86%	70.78%	72.14%	65.39%	+742 bps
Non-Interest Burden	1.25%	1.77%	1.78%	1.80%	1.63%	+38 bps
Growth
Asset Growth (YoY)	1.80%	1.97%	1.08%	0.27%	2.14%	+34 bps
Loan Growth (YoY)	9.40%	9.08%	9.04%	4.36%	1.95%	-746 bps
Deposit Growth (YoY)	2.38%	2.92%	0.10%	-0.73%	0.87%	-151 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.31%	0.30%	-0.76%	0.50%	0.74%	+43 bps
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	14.36%	14.09%	13.73%	13.97%	14.21%	-15 bps
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquidity & Funding
Loans / Deposits	89.93%	90.37%	93.82%	92.73%	90.89%	+96 bps
Liquid Assets / Assets	0.18%	0.15%	0.14%	0.13%	0.13%	-5 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a