EX-99 2 d340587dex99.htm PRESENTATION Presentation
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