Institution Statistics
| Southwest Bank | | FDIC Certificate # | 16652 | | BankRate Report | View | | Year Established | 1947 | | Employees | 76 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $226.96 million | | Loans | $132.55 million | | Deposits | $207.20 million | | Equity Capital | $18.70 million | | Loan Loss Allowance | $1.90 million | | Unbacked Noncurrent Loans | $180,000 |
Historic Data - March 2011 | | Assets | $192.31 million | | Equity Capital | $16.64 million | | Loan Loss Allowance | $1.63 million | | Unbacked Noncurrent Loans | $62,000 | | Real Estate Owned | $72,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.36% | | Return on Assets | 1.69% | | Return on Equity | 20.61% | | Interest Income | $2.29 million |
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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 had $180,000 in non-current loans and owned real-estate with $20.6 million in equity and loan loss allowances on hand to cover it. This gives Southwest Bank a Texas Ratio of 0.87% 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 decreased significantly from (infinite) as of March 31, 2011 to 0.87% as of March 31, 2012, resulting in a positive change of (infinite). This indicates that the balance sheet and financial strength for Southwest Bank has improved significantly in recent periods. | | Deposit Growth | | | In the past year, Southwest Bank has increased its total deposits by $32.12 million, resulting in 18.34% 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 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 has $226.96 million in assets with $20.6 million in equity, resulting in a capitalization level of 9.07%, which is average. |
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