Southwest Bank of Texas

Southwest Bank of Texas is headquartered in Fort Worth and is the 51^st largest bank in the state of Texas. It is also the 670^th largest bank in the nation. It was established in 1963 and as of March of 2012, it had grown to 235 employees at 11 locations. Southwest Bank of Texas has a 5-star health rating.

Data for Q1 2012

Institution Statistics Southwest Bank FDIC Certificate # 18812 BankRate Report View Year Established 1963 Employees 235 Primary Regulator FED Assets and Liabilities Assets $984.99 million Loans $695.48 million Deposits $783.36 million Equity Capital $143.76 million Loan Loss Allowance $9.66 million Unbacked Noncurrent Loans $4.02 million Real Estate Owned $1.06 million Historic Data - March 2011 Assets $829.01 million Equity Capital $122.82 million Loan Loss Allowance $9.04 million Unbacked Noncurrent Loans $1.27 million Real Estate Owned $1.40 million Profit Margin - Quarterly Net Interest Margin 4.27% Return on Assets 0.23% Return on Equity 1.58% Interest Income $11.12 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 Southwest Bank of Texas had $5.07 million in non-current loans and owned real-estate with $153.42 million in equity and loan loss allowances on hand to cover it. This gives Southwest Bank of Texas a Texas Ratio of 3.31% 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 Southwest Bank of Texas held steady from 2.03% as of March 31, 2011 to 3.31% as of March 31, 2012, resulting in a negative change of 63.20%. This indicates that the balance sheet and financial strength for Southwest Bank of Texas has held steady in recent periods. Deposit Growth In the past year, Southwest Bank of Texas has increased its total deposits by $132.44 million, resulting in 20.35% 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 Southwest Bank of Texas 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. Southwest Bank of Texas has $984.99 million in assets with $153.42 million in equity, resulting in a capitalization level of 15.58%, which is excellent.

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