Southwestern National Bank in Houston, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


Southwestern National Bank - Overview

  • General
  • FDIC Certificate #: 34319
    Status: Active
    Federal Reserve ID: 2625724
    Bank Holding Company (Regulatory Top Holder): Swnb Bancorp, Inc. (RSSDID: 3234682, Location: Houston, TX)
    Date Established: November 03, 1997
    WWW: http://www.swnbk.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 57078
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: November 03, 1997
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 6901 Corporate Drive, Houston, TX 77036
    County: Harris
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Houston
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Houston, TX (#3360)
    Consolidated Metropolitan Statistical Area (CMSA): Houston-Galveston-Brazoria, TX (#42)
    Combined Statistical Area (CSA): Houston-Baytown-Huntsville, TX (#288)
    Core Based Statistical Area (CBSA): Houston-Sugar Land-Baytown, TX (#26420)
    CBSA Metro Statistical Area: Houston-Sugar Land-Baytown, TX (#26420)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $331.5 mil
    Equity capital: $34.3 mil
    Deposits held in domestic offices: $281.5 mil
    Return on assets (ROA): 1.04% ($3.4 mil)
    Quarterly return on assets: 1.28% ($4.2 mil)
    Return on Equity (ROE): 10.88% ($3.7 mil)
    Quarterly return on equity: 12.37% ($4.2 mil)
    Net income: $3.4 mil
    Quarterly Net income: $1.0 mil
    Pretax return on assets: 1.04% ($3,447.4 mil)
    Quarterly Pretax return on assets: 1.28% ($4,242.9 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 79Total employees (full-time equivalent)
  • $331,476Total assets
  • $40,313Cash and due from depository institutions
  • $34,252Interest-bearing balances
  • $99,947Securities
  • $50Federal funds sold & reverse repurchase agreements
  • $176,440Net loans & leases
  • $8,187Loan loss allowance
  • $0Trading account assets
  • $4,537Bank premises and fixed assets
  • $2,720Other real estate owned
  • $0Goodwill and other intangibles
  • $331,476Life insurance assets
  • $7,469All other assets
  • $297,203Total liabilities and capital
  • $281,525Total liabilities
  • $257,222Total deposits
  • $281,525Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $14,936Trading liabilities
  • $0Other borrowed funds
  • $742Subordinated debt
  • $34,273All other liabilities
  • $34,273Total equity capital
  • $34,273Total bank equity capital
  • $0Perpetual preferred stock
  • $4,674Common stock
  • $21,287Surplus
  • $8,312Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,806Income earned, not collected on loans
  • $0Earning assets
  • $1,081Long-term assets (5+ years)
  • $310,689Average Assets, year-to-date
  • $97,371Average Assets, quarterly
  • $323,790Volatile liabilities
  • $327,850Insider loans
  • $212,404FHLB advances
  • $329,549Loans and leases held for sale
  • $4,166Unused loan commitments
  • $4,166Tier 1 (core) risk-based capital
  • $33,462Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,313Restructured Loans and leases
  • $2,760Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $16,164Total interest income
  • $3,595Total interest expense
  • $12,569Net interest income
  • $0Provision for loan and lease losses
  • -$55Total noninterest income
  • $0Fiduciary activities
  • $394Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$449Additional noninterest income
  • $9,290Total noninterest expense
  • $4,865Salaries and employee benefits
  • $1,114Premises and equipment expense
  • $3,311Additional noninterest expense
  • $3,224Pre-tax net operating income
  • $152Securities gains (losses)
  • $0Applicable income taxes
  • $3,376Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,376Net income attributable to bank
  • $0Net charge-offs
  • $3,376Cash dividends
  • $2,517Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.34%Yield on earning assets
  • 1.19%Cost of funding earning assets
  • 4.15%Net interest margin
  • -0.02%Noninterest income to earning assets
  • 3.07%Noninterest expense to earning assets
  • 1.00%Net operating income to assets
  • 1.04%Return on assets (ROA)
  • 1.04%Pretax return on assets
  • 10.88%Return on equity (ROE)
  • 10.88%Retained earnings to average equity (YTD only)
  • 1.20%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 1.28%Efficiency ratio
  • 74,237Assets per employee
  • 4.20%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.43%Loss allowance to noncurrent loans
  • 120.29%Noncurrent assets plus other real estate owned to assets
  • 2.87%Noncurrent loans to loans
  • 3.69%Net loans and leases to deposits
  • 62.67%Net loans and leases to core deposits
  • 64.84%Equity capital to assets
  • 10.34%Core capital (leverage) ratio
  • 10.15%Tier 1 risk-based capital ratio
  • 15.75%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $323,790Average earning assets
  • $31,033Average equity
  • $302,679Average loans

List of branches

  • 5 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    057078Southwestern National Bank6901 Corporate Drive, Houston, TX 77036November 03, 1997Full Service Brick and Mortar
    2440527Sugar Land Branch3508 Highway 6, Sugar Land, TX 77478April 28, 2005Full Service Brick and Mortar
    3452530Plano Branch2304 Coit Road, Suite #600, Plano, TX 75075October 26, 2005Full Service Brick and Mortar
    4465419Richardson Office Branch1131 N. Jupiter Rd., Richardson, TX 75081August 24, 2006Full Service Brick and Mortar
    5469322Austin Branch11220 North Lamar, Suite A-100, Austin, TX 78753October 01, 2007Full Service Brick and Mortar

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