FirstBank Southwest

FirstBank Southwest is headquartered in Amarillo and is the 63^rd largest bank in the state of Texas. It is also the 795^th largest bank in the nation. It was established in 1907 and as of March of 2012, it had grown to 176 employees at 9 locations. FirstBank Southwest has a 5-star health rating.

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Data for Q1 2012

Institution Statistics FirstBank Southwest FDIC Certificate # 3387 BankRate Report View Year Established 1907 Employees 176 Primary Regulator FDIC Assets and Liabilities Assets $826.93 million Loans $376.70 million Deposits $750.33 million Equity Capital $64.99 million Loan Loss Allowance $3.53 million Unbacked Noncurrent Loans $248,000 Real Estate Owned $258,000 Historic Data - March 2011 Assets $775.72 million Equity Capital $77.87 million Loan Loss Allowance $3.56 million Unbacked Noncurrent Loans $119,000 Profit Margin - Quarterly Net Interest Margin 2.82% Return on Assets 0.97% Return on Equity 12.39% Interest Income $5.93 million

Institution Health Overall Score: 5 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 March 31, 2012 FirstBank Southwest had $506,000 in non-current loans and owned real-estate with $68.52 million in equity and loan loss allowances on hand to cover it. This gives FirstBank Southwest a Texas Ratio of 0.74% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for FirstBank Southwest held steady from 0.15% as of March 31, 2011 to 0.74% as of March 31, 2012, resulting in a negative change of 405.29%. This indicates that the balance sheet and financial strength for FirstBank Southwest has held steady in recent periods. Deposit Growth In the past year, FirstBank Southwest has increased its total deposits by $73.96 million, resulting in 10.93% 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 FirstBank Southwest 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. FirstBank Southwest has $826.92 million in assets with $68.52 million in equity, resulting in a capitalization level of 8.29%, which is average.

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