 Annual Shareholders
Meeting
April 26, 2012
Exhibit 99 |
 Forward-Looking Statements
1
We make forward-looking statements in this presentation that are subject to risks and
uncertainties. We intend these statements to be covered by the safe harbor
provision for forward-looking statements contained in the Private Securities
Litigation Reform Act of 1995. These forward-looking statements include:
These forward-looking statements are subject to significant uncertainties because
they are based upon: the amount and
timing
of
future
changes
in
interest
rates,
market
behavior,
and
other
economic
conditions;
future laws,
regulations, and accounting principles; changes in regulatory standards and examination
policies, and a variety of other matters. These other matters include, among other
things, the direct and indirect effects of economic conditions on interest rates,
credit quality, loan demand, liquidity, and monetary and supervisory policies of banking
regulators. Because of these uncertainties, the actual future results may be materially
different from the results indicated by these forward-looking statements. In
addition, Southwest's past growth and performance do not necessarily indicate our
future results. For other factors, risks, and uncertainties that could cause actual results to
differ materially from estimates and projections contained in forward-looking statements,
please read the “Risk Factors”
contained in Southwest’s reports to the Securities and Exchange Commission.
•
Statements of Southwest's goals, intentions, and expectations;
•
Estimates of risks and of future costs and benefits;
•
Expectations
regarding
our
future
financial
performance
and
the
financial
performance
of
our
operating
segments;
•
Expectations regarding regulatory actions;
•
Expectations regarding our ability to utilize tax loss benefits;
•
Assessments of loan quality, probable loan losses, and the amount and timing of loan
payoffs; •
Estimates of the value of assets held for sale or available for sale; and
•
Statements of our ability to achieve financial and other goals.
|
 2
Total Loans
Dollars in Billions |
 Total
Nonperforming Assets Dollars in Millions
3
Total nonperforming assets include non-accruals, 90 days past due loans, and other real
estate. Excludes covered loans and properties |
 Net Interest
Margin 4 |
 5
Book Value Per Share
Intangible assets defined as goodwill for purposes of this calculation.
As of Year-End |
 Southwest’s
Regulatory Capital Total Risk-Based Capital
6
”Well-capitalized”
minimum is 10% for all years. |
 Net Income
Available to Common Shareholders by Quarter
Dollars in Millions
7 |
 2012 Summary of
Goals 8
•
Return to profitability
•
Remove volatility from asset quality
measures
•
Resume dividend payments |
 Annual Shareholders
Meeting
April 26, 2012 |