PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Southwest Trust Company, National Association

Oklahoma City, OK · Cert 33884

FDIC

Q4 2011

$54.7MAssets
n/aLoans
n/aDeposits
$54.7MEquity

NIM

1.25%Q4 ’090.87%Q4 ’100.33%Q4 ’11-30%-62%

Non-interest income vs. expense

0.42%Q4 ’090.81%Q4 ’100.72%Q4 ’11+47%-502%

Executive Summary

  • Earnings: ROA of 0.60%, up 2 bps year over year; NIM at 0.33%.

Financial Results

Return on Assets (quarter, annualized)

0.60%+2 bps YoY

Net Interest Margin (quarter, annualized)

0.33%-54 bps YoY

Efficiency Ratio (quarter, annualized)

41.88%-339 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2010Q1 2011Q2 2011Q3 2011Q4 2011YoY ΔTrend
Earnings
Return on Assets0.58%0.77%1.00%0.82%0.60%+2 bps
Return on Equity0.58%0.77%1.00%0.82%0.60%+2 bps
Net Interest Margin0.87%0.71%0.63%0.40%0.33%-54 bps
Efficiency Ratio45.27%38.49%24.41%27.35%41.88%-339 bps
Non-Interest Burden-0.11%-0.55%-1.01%-0.84%-0.67%-56 bps
Growth
Asset Growth (YoY)0.63%0.61%0.78%0.79%0.81%+17 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
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 Capital526%527%524%523%520%-612 bps
Equity / Assets99.99%99.87%99.96%99.99%99.99%0 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/a
Liquid Assets / Assets92.18%92.23%92.13%92.08%92.03%-15 bps
CRE / Total Capitaln/an/an/an/an/an/an/a