Southwestern National Bank

Southwestern National Bank is headquartered in Houston and is the 147^th largest bank in the state of Texas. It is also the 2,011^st largest bank in the nation. It was established in 1997 and as of September of 2011, it had grown to 79 employees at 5 locations. Southwestern National Bank's savings rates are 2X the national average, and it has a 3-star health rating.

Southwestern National Bank Routing Number: 113024009

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Data for Q3 2011

Institution Statistics Southwestern National Bank FDIC Certificate # 34319 BankRate Report View Year Established 1997 Employees 79 Primary Regulator OCC Assets and Liabilities Assets $324.22 million Loans $186.63 million Deposits $274.53 million Equity Capital $33.58 million Loan Loss Allowance $8.45 million Unbacked Noncurrent Loans $10.36 million Real Estate Owned $3.07 million Historic Data - September 2010 Assets $334.47 million Equity Capital $34.35 million Loan Loss Allowance $6.56 million Unbacked Noncurrent Loans $15.25 million Real Estate Owned $9.57 million Profit Margin - Quarterly Net Interest Margin 4.13% Return on Assets 0.96% Return on Equity 10.27% Interest Income $12.11 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 September 30, 2011 Southwestern National Bank had $13.43 million in non-current loans and owned real-estate with $42.02 million in equity and loan loss allowances on hand to cover it. This gives Southwestern National Bank a Texas Ratio of 31.95% 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 Southwestern National Bank decreased significantly from 60.66% as of September 30, 2010 to 31.95% as of September 30, 2011, resulting in a positive change of 47.33%.This indicates that the balance sheet and financial strength for Southwestern National Bank has improved significantly in recent periods. Deposit Growth In the past year, Southwestern National Bank has decreased its total deposits by -$8.2 million, resulting in -2.9% 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 Southwestern National Bank has shown is below average. 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. Southwestern National Bank has $324.22 million in assets with $42.02 million in equity, resulting in a capitalization level of 12.96%, which is excellent.

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