1st SouthWest Bank

720 Main St., PO Box 1139
Alamosa, CO 81101
1-866-641-FSWB (3792)
www.fswb.com

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1st SouthWest Bank is headquartered in Alamosa and is the 31^st largest bank in the state of Colorado. It is also the 2,689^th largest bank in the nation. It was established in 2004 and as of September of 2011, it had grown to 80 employees at 8 locations. 1st SouthWest Bank's savings rates are 44% higher than the national average, and it has a 4-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

1st SouthWest Bank Checking Account Rates

Apy	Min	Max	Product
0.67%	$100k	-	Commercial Checking with Interest
0.60%	$10k	-	Investment Checking with Interest
0.50%	-	$25k	Reward Checking
0.50%	$200k	-	Checking Plus
0.15%	-	-	Checking with Interest

1st SouthWest Bank Savings Account Rates

Apy	Min	Max	Product
0.75%	-	-	Health Savings Accounts
0.75%	$25k	-	Youth Savings Account
0.75%	-	$5k	Eagle Youth Account
0.65%	-	-	Regular Savings Account
0.65%	-	-	Business Savings
0.65%	$100k	-	Savings Plus
0.65%	-	-	IRA Savings Account
0.15%	-	-	Business Public Funds
0.15%	-	-	Sweep Account

1st SouthWest Bank Money Market Rates

Apy	Min	Max	Product
0.75%	$250k	-	Personal Money Market
0.50%	$50k	-	Business Money Market Account

1st SouthWest Bank CD Rates

Apy	Min	Max	Product
1.66%	$100k	-	60 Month CD
1.51%	$100k	-	48 Month CD
1.31%	$100k	-	36 Month CD
1.16%	$100k	-	30 Month CD
0.90%	$100k	-	24 Month CD
0.77%	$100k	-	18 Month CD
0.75%	$100k	-	12 Month CD
0.65%	$100k	-	6 Month CD
0.50%	$100k	-	9 Month CD
0.37%	$100k	-	4 Month CD
0.25%	$100k	-	1 Month CD

1st SouthWest Bank IRA Rates

Apy	Min	Max	Product
1.66%	-	-	60 Month IRA
1.51%	-	-	48 Month IRA
1.31%	-	-	36 Month IRA
0.90%	-	-	24 Month IRA
0.75%	-	-	12 Month IRA

Rates updated: 2/9/2012

Data for Q3 2011

Institution Statistics

First Southwest Bank
FDIC Certificate #	57741
BankRate Report	View
Year Established	2004
Employees	80
Primary Regulator	FDIC
Assets and Liabilities
Assets	$237.40 million
Loans	$158.09 million
Deposits	$201.60 million
Equity Capital	$27.73 million
Loan Loss Allowance	$5.54 million
Unbacked Noncurrent Loans	$10.68 million
Real Estate Owned	$9.09 million
Historic Data - September 2010
Assets	$267.55 million
Equity Capital	$27.01 million
Loan Loss Allowance	$5.49 million
Unbacked Noncurrent Loans	$8.35 million
Real Estate Owned	$12.38 million
Profit Margin - Quarterly
Net Interest Margin	4.39%
Return on Assets	-0.03%
Return on Equity	-0.22%
Interest Income	$8.74 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 1st SouthWest Bank had $19.77 million in non-current loans and owned real-estate with $33.27 million in equity and loan loss allowances on hand to cover it. This gives 1st SouthWest Bank a Texas Ratio of 59.43% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for 1st SouthWest Bank held steady from 65.14% as of September 30, 2010 to 59.43% as of September 30, 2011, resulting in a positive change of 8.76%.This indicates that the balance sheet and financial strength for 1st SouthWest Bank has held steady in recent periods.
Deposit Growth
In the past year, 1st SouthWest Bank has increased its total deposits by $10.25 million, resulting in 5.36% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth 1st SouthWest Bank has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. 1st SouthWest Bank has $237.4 million in assets with $33.27 million in equity, resulting in a capitalization level of 14.01%, which is excellent.