Southwest Securities , FSB

Southwest Securities , FSB is headquartered in Dallas and is the 36^th largest bank in the state of Texas. It is also the 498^th largest bank in the nation. It was established in 1986 and as of March of 2012, it had grown to 182 employees at 15 locations. Southwest Securities , FSB has a 3-star health rating.

Data for Q1 2012

Institution Statistics Southwest Securities , FSB OTS # 08287 FDIC Certificate # 32460 BankRate Report View Year Established 1986 Employees 182 Primary Regulator OCC Assets and Liabilities Assets $1.34 billion Loans $824.54 million Deposits $1.06 billion Equity Capital $167.55 million Loan Loss Allowance $26.18 million Unbacked Noncurrent Loans $45.12 million Real Estate Owned $29.15 million Historic Data - March 2011 Assets $1.37 billion Equity Capital $145.13 million Loan Loss Allowance $47.32 million Unbacked Noncurrent Loans $75.93 million Real Estate Owned $27.05 million Profit Margin - Quarterly Net Interest Margin 3.55% Return on Assets 0.33% Return on Equity 2.62% Interest Income $12.37 million

Institution Health Overall Score: 3 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 Securities , FSB had $74.27 million in non-current loans and owned real-estate with $193.74 million in equity and loan loss allowances on hand to cover it. This gives Southwest Securities , FSB a Texas Ratio of 38.33% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Southwest Securities , FSB decreased slightly from 53.52% as of March 31, 2011 to 38.33% as of March 31, 2012, resulting in a positive change of 28.37%.This indicates that the balance sheet and financial strength for Southwest Securities , FSB has improved slightly in recent periods. Deposit Growth In the past year, Southwest Securities , FSB has decreased its total deposits by -$57.83 million, resulting in -5.16% 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 Securities , FSB has shown is poor. 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 Securities , FSB has $1.34 billion in assets with $193.74 million in equity, resulting in a capitalization level of 14.47%, which is excellent.

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