PackageTrendsPeer
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First Southwest Bank

Frederick, OK · Cert 4100

FDIC

Q2 2001

$129.8MAssets
$86.5MLoans
$112.7MDeposits
$15.8MEquity
Deposit mix
89%Interest-bearing $100.7M11%Noninterest $12.0MQ3 1999Q2 2001

Executive Summary

  • Earnings: ROA of 0.64%, down 41 bps year over year; NIM at 3.81%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.07%.
  • Funding: loans stand at 76.72% of deposits as of Q2 2001.

Return on Assets (quarter, annualized)

0.64%-41 bps YoY

Net Interest Margin (quarter, annualized)

3.81%

Efficiency Ratio (quarter, annualized)

65.52%

Tier 1 Leverage Ratio

n/a
n/a

NIM

7.65%Q1 ’017.56%Q2 ’010%

Non-interest income vs. expense

2.93%Q1 ’012.86%Q2 ’01+2%

Discrete quarter, annualized.

MetricQ3 1999Q4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets1.04%1.08%1.09%1.05%0.67%0.26%0.97%0.64%-41 bps
Return on Equityn/an/an/an/an/an/an/a5.16%n/an/a
Net Interest Marginn/an/an/an/an/an/a3.81%3.81%n/a
Efficiency Ration/an/an/an/an/an/a65.53%65.52%n/a
Non-Interest Burdenn/an/an/an/an/an/a2.27%2.30%n/a
Growth
Asset Growth (YoY)4.45%-1.13%-2.19%-1.34%-3.68%1.56%4.90%8.79%+1,013 bps
Loan Growth (YoY)11.98%5.39%-1.30%1.22%3.96%2.95%11.40%11.10%+988 bps
Deposit Growth (YoY)4.96%-1.42%-0.22%-2.02%-4.62%-0.71%0.04%4.62%+664 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/a0.08%0.07%n/a
Allowance / Loansn/an/an/an/an/an/a1.58%1.66%n/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/a13.24%13.92%n/a
Equity / Assetsn/an/an/an/an/an/a12.44%12.20%n/a
Liquidity & Funding
Loans / Deposits68.47%77.30%75.56%72.24%74.62%80.15%84.13%76.72%+448 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.10%0.13%+13 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a